Who insures homes with prior losses or non-renewals?
Homes with prior losses or non-renewals is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.
4 markets publicly write homes with prior losses or non-renewals: American Modern Insurance Group, Burns & Wilcox, Prime Insurance Company (TRU Homeowners), Foremost Insurance Group (Farmers). 2 admitted carriers, 1 wholesaler, 1 E&S carrier. 1 through surplus lines.
By Sam Alishahi, independent insurance broker
Who says they write it
From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.
| Market | What they say they write | Where | Paper | Source |
|---|---|---|---|---|
| American Modern Insurance Group Admitted carrier | HO-3 alternative homeowners for full-time and seasonal homes with value, age or claim-history concerns; Homeowners FLEX for homes with age, claims and location concerns; page states hard-to-place risks are its specialty “Homeowners provides coverage for full-time and seasonal homes that need an alternative to HO-3 coverage” | not stated | not stated | agents.amig.com · read 2026-10-28 |
| Burns & Wilcox Wholesaler | Hard-to-place residential property; homeowners list includes Prior Claims History, Challenging Credit History, Unprotected Homes, Coastal and Brush Exposures and Airbnb exposures; dwelling list includes Vacant Property “Residential Property Coverage can be hard-to-place and requires experience and expert knowledge of the category.” | not stated | not stated | burnsandwilcox.com · read 2026-10-28 |
| Prime Insurance Company (TRU Homeowners) E&S carrier | Non-standard homeowners for clients cancelled, denied or non-renewed in the past or with a claims history; also homes with non-standard construction, vacant homes, coastal/wind, wildfire, earthquake and sinkhole exposures “Prime can help your clients even if they've been canceled, denied, or non-renewed insurance in the past” | all 50 states (page: 'Prime Insurance Company writes in all 50 states of the USA') | Surplus lines | primeis.com · read 2026-10-28 |
| Foremost Insurance Group (Farmers) Admitted carrier | Homeowners for older homes and applicants with credit or loss issues, including those declined, cancelled or non-renewed by another insurer; subject to state-specific eligibility guidelines “Applicants with prior insurance and those who may have been declined, cancelled or non-renewed” | offered in many, but not all, states | not stated | foremost.com · read 2026-10-28 |
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