Call Us 413-536-2685 ☰ ˟
Logo
413-536-2685
English  /  Español
  • Certificate Request
  • Get A Quote
  • Blog
  • What We Offer
    • Automobile
    • Business & Commercial
    • Commercial Auto Insurance
    • Homeowners
    • Recreational Vehicle
    • Workers Compensation
  • Resources
    • Make a Payment
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • Privacy Policy
  • About Us
    • About Us
    • Employee Directory
    • Customer Testimonials
  • Our Locations
  • Contact
    • Contact Us
    • Join Our Newsletter
Icon Instant Auto Quote Icon Instant Home Quote
Icon Business
Icon Workers Comp
Icon Business Auto Icon Recreational
Home > Blog > When Will Home Insurance Companies Drop You?
SUNDAY, NOVEMBER 14, 1999

When Will Home Insurance Companies Drop You?


Close-up Photography of Adult Black and White American Pit Bull Terrier Prone Lying on Floor

Assuming payments are made on time, it does happen from time to time that a home insurance provider chooses to drop one of their clients. This isn’t common, but is possible. Luckily, it's not that hard to stay in good standing with your insurer. Here are the most common causes for being dropped by a provider in the Springfield, Ludlow, and Chicopee areas:

Too Many Claims

The average homeowner only files a claim around once a decade. That doesn't mean that filing twice in ten years will see you being dropped, but if you're filing on an annual basis, that's going to raise some red flags with your provider. Insurance is best reserved for severe damages that cannot easily be handled out of pocket.

Failing to Make Necessary Repairs

Your insurer may ask you to do some critical maintenance in order to remain covered. More times than not, this means the roof. An old roof can lead to cumulative water damage, and many insurers feel that someone who won't replace an old roof is too big of a risk to cover.

Pets

Your new pet is probably not going to have you looking for a new insurer, but some insurers will make exceptions for certain dog breeds and high-risk pets. And insurers will almost certainly drop you if multiple dog-bite liability claims have been filed. It's simply a legal risk that many insurers feel is not worth it.

Other reasons may simply be out of your hands. If your insurer goes out of business or decides not to cover your state anymore, you're going to need to go shopping for a new home insurance provider.

To avoid being dropped, your best course of action is to make sure that your home is in good shape, and to only rely on home insurance for disasters and major expenses. You don't need to file a claim every time a window breaks or a garage door is dented. Insurance isn't really a maintenance fund, it's a "just in case" safety net. So long as that's how you use your policy, you should have no problems staying covered.

Posted 9:26 PM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2018
  • 2017
  • 1999

  • car insurance(74)
  • home insurance(74)
  • auto insurance(73)
  • commercial insurance(41)
  • business insurance(41)
  • property(16)
  • home security(10)
  • life insurance(8)
  • accident(8)
  • summer(6)
  • health insurance(5)
  • teen drivers(2)
  • rental car(2)
  • claims(2)
  • car safety(2)
  • water damage(2)
  • home maintenance(2)
  • travel(2)
  • flood(2)
  • fire safety(2)
  • collision(2)
  • liability(2)
  • fire(2)
  • small business(2)
  • student drivers(1)
  • liquor(1)
  • vacation home(1)
  • pests(1)
  • spring(1)
  • llc(1)
  • condo(1)
  • office safety(1)
  • ventilation(1)
  • winter(1)
  • landlords(1)
  • chi insurance agency(1)
  • earthquake(1)
  • car accident(1)
  • dental insurance(1)
  • loss(1)
  • rust damage(1)
  • distracted driving(1)
  • wind(1)
  • senior drivers(1)
  • elderly drivers(1)
  • roof(1)
  • liability insurance(1)
  • grill safety(1)
  • older homes(1)
  • massachusetts(1)

View Mobile Version
Insure your needs today!
Social
Quick Links
Home
Get A Quote
Customer Service
Payment Options
Report a Claim
About Us
Our Carriers
Partners
Blog
Contact Us
Location 416 Main Street
Holyoke, MA 01040

P: 413-536-2685
F: 413-532-0889
E: support@chiagency.com
Powered by Insurance Website Builder