1701 Gateway Dr. Ste. 431
    Richardson, TX 75080
    972-480-9878
   
If your living area is considered "high-risk", it may be more difficult to get an insurance.

1. Your living area is prone to severe weather such as hurricanes, windstorms, tornadoes or hail.

2 You live in an urban area with high crime, vandalism and theft.

3 Your home has an old plumbing, electrical and/or heating system which may cause a higher chance of fire or water damage.
If you can't get coverage, you have other options. consider the following:

￭ Ask for help from insurance professional.

￭ Talk to your neighbors and find out which insurers they use.

￭ Call state insurance department.
If you still can't get insurance, find out if your state has a special insurance plan known as shared market. Generally, there are still two types of plans:
Fair Access to Insurance Requirements (FAIR) Plans is insurance pools that sell property insurance to people who can't get coverage in the voluntary market.
FAIR Plan policies may cost more and offer less coverage, but they offer insurance protection where none would otherwise exist. All FAIR Plans cover losses due to fire, vandalism, riot and windstorm.

In order to qualify for FAIR Plan coverage, you must:

1. Make improvements that decrease the risk of fire, theft or water damage.

2. The FAIR Plan administrator has the right to deny insurance coverage if you don't improve those conditions listed above.
They provide residents and business owners, in designated areas, with coverage against hurricanes and other severe windstorms. Windstorm Plans in Florida, Mississippi, South Carolina and Texas offer coverage only against wind and hail damage.