Insurance Companies Cancelling Policies in California 2025

Even if you haven't received a non-renewal notice yet, it’s hard to ignore the headlines. When major carriers like State Farm and Allstate pull back, it sends a ripple of anxiety through every neighborhood. The fear of insurance companies cancelling policies in California 2025 has many homeowners wondering what they can do to protect themselves before that dreaded letter arrives. The good news is that you don’t have to wait for a crisis to take action. This guide is for the proactive homeowner. We’ll show you how to assess your property’s risk, make your home more insurable, and understand your coverage options now, putting you in the strongest possible position to weather these market changes.

Key Takeaways

• Focus on What You Can Control: The insurance market is complex, but you can directly improve your standing with insurers. Prioritizing fire-hardening projects like creating defensible space and upgrading your roof makes your home a lower risk and a more attractive property for coverage.
• Look Beyond Big-Name Insurers: If you're denied by a standard carrier, your search isn't over. An independent insurance agent is your best resource for accessing alternatives like the California FAIR Plan or surplus lines carriers, which are designed specifically for harder-to-insure homes.
• Know Your Rights and Act Quickly: A non-renewal notice comes with a legally required grace period—use it. California law ensures you have time to find new coverage and receive a clear reason for the change. Start shopping for a new policy immediately and use the insurer's feedback to address any issues with your property.

Why Is California Home Insurance So Hard to Find?

If you feel like finding home insurance in California is an impossible task, you’re not alone. The market has become incredibly challenging for homeowners across the state, with many people seeing their policies canceled or struggling to find a new one. This isn't happening in a vacuum. A combination of environmental, economic, and regulatory pressures has created a perfect storm, making it harder than ever for Californians to get and keep the coverage they need. Understanding these factors is the first step toward figuring out your next move.

The Role of Wildfires and Climate

The biggest reason for the current insurance crisis is the increased frequency and severity of wildfires. As climate change contributes to hotter, drier conditions, what used to be a seasonal threat has become a year-round danger in many parts of the state. For insurance companies, this represents a massive and unpredictable financial risk. They base their business models on calculating risk, and the "new normal" for California wildfires has thrown their old calculations out the window. The growing threat of extreme weather events means insurers face the possibility of paying out billions of dollars in claims after a single catastrophic fire season, leading many to reduce their exposure in high-risk areas.

Why Rebuilding Costs More Now

It’s not just the risk of a disaster that has insurers worried; it’s the skyrocketing cost to rebuild a home afterward. In recent years, the price of lumber, materials, and labor has risen dramatically due to inflation and supply chain disruptions. When an insurance company writes a policy, they have to guarantee they can cover the cost to replace your home entirely. With rebuilding costs being so high and unpredictable, insurers have to charge higher premiums to cover that potential expense. For many companies, the financial risk has become too great, causing them to limit the number of new policies they write or pull out of certain markets altogether.

How State Regulations Play a Part

California has rules in place designed to protect homeowners, but they can also contribute to the market's instability. For example, after a wildfire, the state can declare a mandatory one-year moratorium that prevents insurance companies from canceling or non-renewing policies for homes within or near the fire perimeter. While this provides a crucial safety net for residents impacted by a disaster, it also limits an insurer's ability to manage its risk portfolio. In response, some companies have chosen to preemptively reduce their presence in the state to avoid being locked into covering areas they now consider too risky, making it harder for everyone else to find coverage.

Which Insurance Companies Are Pulling Back?

If you’ve been following the news, you’ve probably seen some alarming headlines about home insurance in California. It can feel like every week another company is limiting coverage or leaving the state entirely. It’s a stressful situation, and it’s easy to feel powerless when you hear about these large-scale changes. The truth is, this isn't random. Insurers are responding to the growing financial risks from wildfires and severe weather, and they’re adjusting their business strategies to stay afloat.

Understanding which companies are making changes—and why—is the first step to figuring out your own options. The list of active insurers can change quickly, which is why we keep our data at CovFind constantly updated. But let’s break down the general trends we’ve been seeing across the state, so you have a clearer picture of the market.

The Recent Wave of Cancellations

California is in what many are calling an "insurance crisis." Faced with massive losses from recent wildfires, many well-known insurance companies have started to limit their presence here. You’ve likely heard about some of the biggest names. State Farm, California's largest home insurer, announced it would non-renew thousands of policies. Allstate also paused writing new homeowner policies.

They aren't alone. A growing list of carriers have either stopped accepting new applications, started non-renewing existing policies in certain areas, or have left the California market completely. This doesn't mean that if you have a policy with one of these companies, you'll automatically be dropped. But it does mean the market is tightening significantly, making it harder for everyone to find new coverage.

How Different Regions Are Impacted

These insurance pullbacks are not happening uniformly across the state. The biggest impact is felt by homeowners in areas with high wildfire risk. If your home is in or near a region designated as a high-fire-hazard severity zone, you’ve probably found it much more difficult to get or keep your insurance. Insurers use sophisticated mapping and risk models to decide where they are willing to offer coverage, and these high-risk zones are often the first to be excluded.

However, the ripple effects are spreading. Even if you don't live in a high-risk area, you might still feel the pinch. As insurers try to balance their overall risk portfolio in California, they may become more selective everywhere. This can lead to stricter underwriting requirements, higher premiums, and fewer options for homeowners across the board.

The Types of Coverage Being Cut

When an insurer decides to "pull back," it can mean a few different things. It’s not always a complete exit. For example, State Farm’s move involved cutting around 72,000 home and apartment policies, but that doesn't mean they've stopped insuring every property type. Often, companies will be very specific about what they are cutting.

A company might stop writing new comprehensive homeowner policies (known as HO-3 policies) but continue to offer coverage for condos (HO-6) or renters. In other cases, they might non-renew policies for homes of a certain age or with specific roof types. The most common move is simply to stop taking on new customers for homeowner policies, which allows them to gradually reduce their number of policies in the state over time without canceling existing customers all at once.

Patterns in Insurer Exits

There’s a clear pattern to how most insurers reduce their presence in a challenging market like California's. It’s usually a slow and strategic process designed to manage their financial risk. First, a company might tighten its underwriting guidelines, making it much harder for new applicants to qualify for a policy. Next, they might stop writing new policies altogether in the highest-risk ZIP codes.

From there, the next step is often a statewide pause on all new homeowner policies. Finally, they may begin the process of non-renewing existing policies, usually starting with those that pose the highest risk. A complete withdrawal from the state is typically the last resort. Understanding this pattern helps you see that these changes aren't sudden whims but calculated business decisions in response to a market that has become very difficult for insurers to predict.

Know Your Rights as a Homeowner

Getting a notice from your insurance company can be incredibly stressful, especially when it’s a cancellation or a non-renewal. It’s easy to feel like you’re out of options, but you’re not powerless. California has specific laws in place to protect homeowners, and understanding them is the first step toward taking control of the situation. These rules ensure that insurers act fairly and give you time to find a new plan.

The law dictates how and when an insurer can drop your policy, what happens after a major wildfire, and your right to a clear explanation. Think of these regulations as your safety net. They provide a buffer, so you aren't left scrambling without coverage overnight. Knowing these protections can help you plan your next steps with confidence instead of panic. We’ll walk through the key rights you have as a California homeowner, so you know exactly where you stand.

Rules for Cancellation Notices

An insurance company can’t just drop your policy without warning. In California, if an insurer decides to cancel your policy mid-term for reasons other than non-payment, they are legally required to give you at least 20 days' notice. This isn't a courtesy; it's the law. This notice period is designed to give you a crucial window of time to find and secure new coverage before your current policy expires.

It’s also important to understand the difference between a cancellation and a non-renewal. A non-renewal happens when the insurer decides not to renew your policy at the end of its term. For that, they must give you even more time—at least 75 days' notice. You can find more details about these cancellation and non-renewal timelines on the California Department of Insurance website.

Wildfire Moratoriums Explained

After a major wildfire, the last thing you should have to worry about is losing your insurance. That’s why California has a law that creates a temporary moratorium on cancellations and non-renewals in areas hit by recent fires. Following a declared state of emergency, insurers are prohibited from dropping homeowners who live within or adjacent to the fire perimeter for one full year.

This protection is designed to give communities time to recover without the added instability of a collapsing insurance market. It prevents insurers from pulling out right when homeowners need them most. If you live in an area affected by a recent wildfire, you can check to see if a moratorium applies to your ZIP code, giving you guaranteed coverage for at least a year while you rebuild and regroup.

Your Emergency Protections

The notice periods for policy changes are your first line of defense, giving you time to react. To recap, an insurer must provide a 20-day notice for a mid-term cancellation and a 75-day notice for a non-renewal. The only exception is cancellation for non-payment of your premium, which requires a 10-day notice.

These timelines are your emergency protections. They ensure you have a clear grace period to consult with an insurance agent, shop for new quotes, and get another policy in place without a lapse in coverage. A lapse can be risky and make it even harder to find affordable insurance later. Use this time wisely to explore all your options, whether it’s with another private insurer or the California FAIR Plan.

State-Mandated Coverage Rights

If your insurer decides to cancel or not renew your policy, they can’t leave you in the dark about why. California law gives you the right to a clear and specific reason for their decision. The notice you receive must state the grounds for the cancellation or non-renewal. This is a critical piece of information that can help you understand your next steps.

For example, if the reason is related to your property’s risk, like needing a new roof or brush clearance, you may be able to fix the issue and find coverage elsewhere. If it’s because the insurer is reducing its exposure in your entire area, you’ll know the decision wasn’t personal. This right to an explanation ensures transparency and gives you the information you need to move forward.

Where to Find Coverage Now

When your insurance company drops you or you can’t find a new policy, it’s easy to feel like you’ve run out of options. But even in this tough market, there are still paths to getting your home covered. It just means looking beyond the standard insurance companies you see on TV. These alternatives are specifically designed to fill the gaps when traditional insurers pull back, giving you a way to protect your property. Here’s a look at the key options available to California homeowners.

The California FAIR Plan: What It Is

Think of the California FAIR Plan as a safety net. It’s a state-backed insurance program created for homeowners who have been denied coverage by private insurers. While it provides basic fire protection, it’s not a comprehensive policy—you’ll often need to buy a separate plan for liability and theft. It’s meant to be a last resort, but as more companies have left the state, the FAIR Plan has become an essential source of coverage for a growing number of Californians. It ensures that no homeowner is left completely unprotected from fire risk.

Exploring Surplus Lines Insurance

If your property is considered high-risk, you might find coverage through surplus lines insurance. These policies are designed for unique situations that standard insurers won’t touch. The companies that offer them specialize in higher-risk properties, so they have more flexibility in their pricing and coverage terms. While premiums are typically higher and the policies are regulated differently than standard insurance, surplus lines can be a lifeline, providing vital protection when you can’t get it anywhere else. They are a key part of the insurance ecosystem for hard-to-place properties.

Understanding Non-Admitted Carriers

The term "non-admitted" might sound alarming, but it simply means the insurance provider isn’t licensed by the state of California. However, these carriers are still approved to sell insurance here and are regulated for solvency. Non-admitted carriers often step in to cover high-risk homes that standard, state-licensed companies avoid. They play a crucial role by adding more capacity to the market, giving homeowners another avenue for securing a policy when the usual options are off the table. For many, a non-admitted carrier is the only way to get comprehensive coverage.

How an Independent Agent Can Help

Feeling overwhelmed by these options? You don’t have to figure this out alone. Working with an independent insurance agent is one of the most effective steps you can take. Unlike agents who work for a single company, independent agents partner with multiple insurers, including those offering surplus lines and non-admitted policies. They understand the complexities of the current market and can shop around on your behalf to find the best possible coverage for your home. An experienced agent can save you time, reduce your stress, and find solutions you wouldn't have discovered on your own.

How to Prepare for a Policy Change

Getting a non-renewal or cancellation notice in the mail can feel like a gut punch. It’s stressful, and it’s easy to feel powerless. But you have more control than you think. Taking immediate, organized action can make all the difference in finding new coverage and protecting your home. Think of this as your action plan. Instead of reacting with panic, you can respond with a clear strategy.

The key is to be proactive. Use the time you have—whether it’s 30, 60, or 90 days—to understand your situation, gather your information, and explore your options. This preparation will not only help you find a new policy but can also put you in a stronger position for the long term. Let’s walk through the exact steps you should take the moment you learn your policy is changing.

Get Your Documents in Order

First things first: find your current policy documents and the notice of cancellation or non-renewal. Read the notice carefully to understand the exact reason your insurer is dropping your coverage. Insurers are required to provide a reason, and this information is your starting point. Is it due to your roof's age, your property’s location in a high-risk fire zone, or something else?

Once you know the reason, you can figure out your next move. In some cases, you may be able to contest a cancellation by making specific home improvements that satisfy the insurer. Keep all correspondence in one place, and start a file for quotes and communications with new potential insurers.

Assess Your Property's Risk

Your insurer sees your home through the lens of risk. Now, you need to do the same. Look at your property from their perspective. Do you have a well-maintained roof? Is there adequate defensible space around your home? Are there overhanging trees or flammable materials near your house? Understanding your property’s specific vulnerabilities will help you have more productive conversations with new insurance agents.

It’s also worth knowing that a misunderstood California law could require your insurer to maintain your fire coverage, even in a high-risk area. Knowing the details of your situation and your rights can give you leverage you didn't know you had.

Manage Your Premiums

When you receive a cancellation notice, the clock starts ticking. California law requires insurers to provide at least 20 days' notice before the policy ends, but many provide 45 to 75 days. Use this time wisely. Don’t wait until the last minute to start shopping for a new policy. Begin immediately, as this will give you the most time to compare quotes and find the best possible rate.

Be prepared for higher premiums. The reality of the current market is that coverage is more expensive. By getting multiple quotes, you can get a clear picture of the new baseline for your property and avoid any last-minute surprises. This also gives you time to adjust your household budget accordingly.

Protect Your Property's Value

Your home is likely your biggest asset, and a lapse in insurance coverage puts it at serious risk. The reason for your policy cancellation shouldn't be a secret. In fact, California homeowners have the right to know the reasons for the change. If your insurer isn't transparent, they could be acting in bad faith.

Use the reason they provide as a to-do list. If they cited your roof, get a quote for a replacement. If it was about brush clearance, contact a landscaping service. Documenting these improvements can make your property more attractive to other insurers and demonstrates that you are a proactive, responsible homeowner.

Make Your Home More Insurable

While the insurance market feels unpredictable, you have more power than you think. Taking proactive steps to make your home safer and more resilient can significantly improve your ability to find and keep coverage. Insurers are in the business of managing risk, so showing them you’re a responsible homeowner who actively reduces potential threats can make all the difference. It’s about shifting from a reactive mindset to a proactive one.

Think of it this way: every improvement you make not only protects your family and your investment but also makes your property a more attractive, lower-risk profile for an insurance carrier. From small maintenance tasks to larger fire-hardening projects, these efforts demonstrate your commitment and can directly impact your insurability. Even if you face a non-renewal, a well-maintained, lower-risk home will have more options on the market. Let’s walk through the most effective ways to strengthen your position.

Fire-Harden Your Property

"Hardening" your home against fire is one of the most impactful actions you can take, especially in California. This involves creating defensible space by clearing flammable vegetation, brush, and dead leaves from around your home—aim for at least 30 feet of lean, clean, and green space. Inside that zone, use non-combustible materials like gravel or pavers instead of bark mulch. You can also make structural upgrades, such as installing double-paned windows, covering attic vents with fine metal mesh to block embers, and using fire-resistant roofing and siding materials. Taking these steps is crucial, as a misunderstood California law may require your insurer to maintain your coverage if you meet certain fire safety standards.

Complete Essential Safety Improvements

Beyond wildfire risk, insurers assess your home's overall condition. Outdated systems can be a major red flag. If your home has an old roof, faulty electrical wiring, or aging plumbing, investing in upgrades can be a smart move. These improvements reduce the likelihood of common claims like water damage or electrical fires, which makes your home less risky to insure. If your policy is ever canceled, you have the right to know the reasons, and it’s often tied to these core systems. Addressing them before you receive a notice shows you’re a proactive partner in protecting your property.

Keep Up with Property Maintenance

Consistent, routine maintenance is your first line of defense. Simple habits like regularly cleaning your gutters, trimming tree branches that overhang your roof, and inspecting your property for potential hazards can prevent small issues from becoming major claims. This shows an insurer that you’re actively caring for your home. California law requires insurers to provide a notice of cancellation at least 20 days in advance, but you don’t want to be scrambling to fix a long-neglected issue at the last minute. A well-maintained home is simply less likely to have the kinds of problems that lead to non-renewal in the first place.

Simple Strategies to Reduce Your Risk

Look for other ways to lower your home’s risk profile. Installing a monitored security system, smoke detectors, and automatic water shut-off devices can lead to discounts and make your application more appealing. It’s also wise to document all your improvements with photos and receipts. If your policy is canceled, this documentation becomes a powerful tool when you shop for new coverage. After a cancellation or non-renewal, it can be harder to find affordable home insurance, but having a portfolio that proves your home is a low risk can open doors with other carriers who are still writing policies in your area.

What's Next for California's Insurance Market?

If you’re feeling overwhelmed by the state of California’s home insurance market, you’re not alone. It can feel like the rules are changing every day, with news of another company pulling back or premiums going up. The good news is that a lot is happening behind the scenes to address this crisis. State regulators, insurance companies, and homeowners are all part of a complex equation that’s slowly being worked out. Understanding these moving parts can help you feel more in control and better prepared for what’s ahead.

From potential new laws designed to protect homeowners to regulatory reforms aimed at bringing insurers back to the state, change is on the horizon. We’re also seeing a shift in how insurance is offered, with more homeowners turning to alternatives like the FAIR Plan. Of course, the big question on everyone’s mind is what will happen with premiums and how this will all affect the housing market. While there are no easy answers, there are clear trends and signs of what’s to come. Let’s look at the key developments that will shape your insurance options in the near future.

Potential Legislative Solutions

When a major wildfire strikes, the state has rules to protect homeowners in the affected area. California law creates a mandatory one-year moratorium on insurance companies canceling or non-renewing policies for homes within or adjacent to the fire perimeter. This kicks in after the Governor declares a state of emergency, giving you a full year of breathing room without having to worry about losing your coverage.

While this moratorium is a critical short-term protection, it’s not a permanent fix. It’s a temporary shield, not a long-term solution to the market’s instability. Lawmakers are continuously debating more comprehensive reforms to address the root causes of the crisis, but for now, this protection is a key right for homeowners impacted by disaster.

The Rise of New Insurance Models

As private insurers have become harder to find, more Californians are turning to the state's insurer of last resort: the California FAIR Plan. This state-mandated program provides basic fire insurance when you can't get it from a traditional company. The FAIR Plan has seen a massive increase in policyholders, which shows just how many people are struggling to find coverage elsewhere.

While it’s an essential safety net, the FAIR Plan typically offers less comprehensive coverage and can be more expensive than a standard policy. It usually needs to be supplemented with a separate policy for liability and theft. This shift toward alternative models highlights the growing need for solutions beyond the traditional insurance market.

What to Expect from Premiums

It’s no secret that the cost of home insurance is climbing, and that trend is likely to continue. With the rising costs of rebuilding and the increased frequency of catastrophic events, insurance companies are adjusting their rates to reflect the higher risk. We’re seeing major carriers request significant rate increases to cover their potential losses.

For example, State Farm recently asked for permission to raise rates by an average of 22%. While these requests aren't always approved at their full amount, they signal the direction prices are heading. As a homeowner, it’s wise to budget for higher insurance costs and regularly shop around to ensure you’re getting the best possible rate for your coverage.

Signs of Market Stabilization

While the market is still volatile, there are efforts underway to bring stability back. California's Insurance Commissioner is working on regulatory changes designed to convince private insurance companies to start writing more policies in the state again. The goal is to create a healthier, more competitive market for everyone.

Two key proposals include allowing insurers to use forward-looking climate models to set their prices and letting them pass on some of their own insurance costs (known as reinsurance) to customers. The hope is that these reforms will give insurers the confidence they need to re-enter the market, which would ultimately mean more choices and better pricing for homeowners. These changes won’t happen overnight, but they are a step toward a more functional system.

The Impact on the Housing Market

The insurance crisis doesn't just affect your yearly budget; it has a real impact on the housing market. When affordable insurance is hard to find, it can complicate or even halt real estate transactions. Lenders require proof of insurance before they’ll fund a mortgage, so if a buyer can’t secure a policy, a sale can easily fall through.

This challenge is a direct result of many insurance companies reducing their coverage in the state due to high wildfire risk and soaring rebuilding costs. The availability of insurance is now a critical factor in a property's marketability, adding another layer of complexity for both buyers and sellers in California’s already challenging real estate landscape.

Your Next Steps

Feeling overwhelmed by the insurance market is completely understandable, but you aren't powerless. Taking clear, deliberate action can help you regain a sense of control and find the best path forward for protecting your home. Think of these next steps as your personal action plan for tackling the California insurance crisis head-on. By focusing on what you can manage—your policy, your finances, your professional network, and your knowledge—you can make informed decisions instead of reactive ones. Let's walk through what you can do right now.

Review Your Current Coverage

Before you do anything else, pull out your current homeowners policy and read it carefully. If you’ve received a nonrenewal notice, pay close attention to the expiration date and the reason provided by your insurer. Sometimes, you may be able to keep your coverage by making specific home improvements or policy adjustments that satisfy your insurer's new requirements. Understanding the fine print of your declaration page will show you exactly what’s covered and, more importantly, what isn’t. This knowledge is your starting point for either negotiating with your current provider or shopping for a new policy that truly meets your needs.

Build an Emergency Fund

With premiums on the rise and coverage harder to secure, having a financial safety net is more important than ever. An emergency fund can help you cover a sudden premium increase, a higher deductible, or unexpected home repair costs that could make your property uninsurable. The current insurance crisis is fueled by increasing costs for things like building materials, making post-disaster recovery more expensive for everyone. Start by setting a realistic goal, like saving enough to cover your policy’s deductible or three to six months of housing expenses. This fund provides a crucial buffer, giving you breathing room and options when you need them most.

Work with an Insurance Professional

You don’t have to figure this out alone. An independent insurance agent or broker can be your most valuable ally. Unlike agents who work for a single company, independent professionals can shop for policies from multiple carriers, including surplus lines insurers that you can’t access on your own. They understand the market’s complexities and can advocate on your behalf. For instance, California law states you have the right to know why your policy was canceled. An experienced agent can help you interpret the insurer’s reasoning and identify your best next move.

Stay Informed on Market Changes

The insurance landscape in California is constantly shifting. State regulators are actively working on new rules to stabilize the market, including proposals that would allow insurers to factor future climate risks into their pricing models. Staying informed about these potential legislative solutions and market trends will help you anticipate changes and act quickly. Follow updates from the California Department of Insurance and trusted local news sources. Knowing what’s happening at the state level gives you context for the changes you’re seeing in your own policy and helps you plan for the future with greater confidence.

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Frequently Asked Questions

My policy was just non-renewed. What's the very first thing I should do? First, take a deep breath. The notice period you've been given is your window to act, not to panic. The very first thing you should do is find the non-renewal letter and mark the policy expiration date on your calendar. Then, your next call should be to an independent insurance agent. They have access to multiple carriers, including ones you can't find on your own, and can immediately start shopping for a new policy for you. This is their specialty, so let them do the heavy lifting while you gather your current policy documents.

Will making my home more fire-resistant guarantee I can get insurance? While there's no absolute guarantee in this market, fire-hardening your home is one of the most powerful moves you can make. It significantly improves your chances of finding coverage and can make you eligible for policies that others might not qualify for. Insurers make decisions based on risk, and demonstrating that you've actively reduced your home's vulnerability makes it a much more attractive property to cover. Think of it less as a guarantee and more as making yourself the best possible candidate for the insurers that are still writing policies.

Why are my rates going up if I don't even live in a high-wildfire-risk area? This is an incredibly common and frustrating situation. Insurance companies look at their financial risk across the entire state, not just one neighborhood. When they pay out billions in claims for catastrophic wildfires in one part of California, they need to spread that cost across their whole customer base to remain financially stable. Additionally, the rising cost of labor and building materials affects rebuilding costs everywhere, so even a simple water damage claim costs more to fix today than it did a few years ago, pushing premiums up for everyone.

Is the California FAIR Plan a good long-term solution? The FAIR Plan is an essential safety net, but it's best to think of it as a last resort rather than a permanent replacement for traditional insurance. It provides basic fire coverage when no one else will, which is crucial. However, it doesn't include liability, theft, or water damage protection, so you'll need to purchase a separate, supplemental policy to get the same level of coverage you'd find in a standard homeowners plan. While it's a workable solution for many, it can be more expensive and complicated to manage two separate policies long-term.

If I can't find any insurance, can I just go without it? Going without homeowners insurance is an extremely risky decision. If you have a mortgage, your lender requires you to maintain coverage, so it isn't an option. Even if you own your home outright, you would be putting your single biggest financial asset on the line. A fire, a major storm, or even a lawsuit from someone getting injured on your property could be financially devastating without the protection of an insurance policy. It's always better to secure some form of coverage, even if it's a basic FAIR Plan policy, than to be left completely exposed.