Home Insurance for Cancelled, Non-Renewed, Rejected and High Risk Policies

Guidance in selecting the right home insurance coverage. We explain each policy and options in clear, easy-to-understand language.

Competitive rates for WA State Residents on high-risk insurance policies. We have markets to surplus lines carriers that can place policies with multiple claims.

A local, dependable advocate who cares about your interest before, during, and after a claim. Hear a familiar voice every time you call.

Maximize your time. Cascadia Agency quickly analyzes your situation and suggests options that protect your home.

High Risk Home Owners Insurance

High Risk Insurance Coverage Options

We offer a quality homeowner insurance product with a broad array of coverage options to high risk customer segments when events such as multiple claims, non-renewal, policy cancellation or lapse in coverage prevent you from obtaining a preferred policy. Examples of High Risk Perils:
  • Coastal Risks
  • Earthquake
  • Flood
  • Brush Zones
  • Unprotected Fire Areas (Fire Town Class 9 & 10)
  • Secondary Residence, Seasonal Occupancy, or Seasonal Rental Properties
  • Builders Risk
  • Homes with multiple losses or claims (Fire, Theft, Water Losses)
  • High Value Homes
  • Homes with unfenced pools, trampolines, and vicious animals (Rottweilers and Pit Bulls)

Coverage Limits

It is important to periodically review your limits with your agent. As life changes so do your insurance needs. For example, if you recently expanded or remodeled your home, you may want to increase your dwelling coverage to be fully protected in the event of a total loss.


A deductible is the amount that you pay out of pocket on a covered loss before insurance begins to pay. Since the premiums for high-risk policies tend to be more expensive, choosing a higher deductible can often lead to significant savings.  If you have $1500 claim and a $500 deductible you will have to pay the first $500 of the repair costs. The insurance company will pay the remaining $1000.