Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

At  Vargas & Vargas Insurance , we help Massachusetts homeowners navigate the complexities of cancellation or non-renewal with confidence—offering solutions, options, and support when it’s needed most.

A  cancellation or non-renewal  happens when your insurance company decides  not to continue coverage  once your current policy expires. Unlike a cancellation (which occurs mid-term), non-renewal happens at the end of the policy term and gives you time to find new coverage.

• Cancellation : Happens before the policy ends. Common reasons include missed payments or misrepresentation.
• Non-Renewal : Occurs at the policy’s expiration. This may be due to increased risk, underwriting changes, or business strategy shifts.

• Vacant home  for extended periods
• Multiple claims history
• Poor credit  or late premium payments
• Unresolved underwriting issues  (e.g., repairs)
• Property in disrepair
• High-risk location  (e.g., coastal or wildfire zones)
• Carrier capacity changes
• Loss of agency’s contract  with the insurer
• Liability hazards  (e.g., trampolines, certain dog breeds)

Here are key steps you can take to protect your home and secure new insurance:

Get quotes from multiple carriers to compare your options.

Make sure your application information is complete and accurate to avoid delays or denials.

Combining your home and auto insurance can lead to significant discounts.

At  Vargas & Vargas Insurance , we represent multiple carriers and specialize in finding coverage—even for hard-to-place or high-risk properties.

📞 Need help right away? Call us at  (617) 298-0655
📄 Or  request your quote here »

The  Fair Access to Insurance Requirements (FAIR) Plan  offers basic property insurance for homes that can’t get standard coverage. FAIR Plans are helpful for:

• Coastal or storm-prone properties
• Homes in disrepair
• Those with multiple claims

⚠️  Note : FAIR Plan coverage is limited and may carry higher premiums.

This option is for properties with unique risks like:

• High-value or custom-built homes
• Homes with unusual materials
• Remote or high-risk locations

Surplus lines carriers are  non-admitted , meaning they’re not licensed in the state and don’t offer the same consumer protections—but they can often provide  flexible coverage  when no one else will.

Sometimes. Review your policy and ask your broker if an appeal is possible.

It could. Non-renewal may raise red flags for other carriers, but working with an independent broker helps you find new options.

Explore all options, including FAIR Plans or surplus lines. A specialist broker can guide you to the right fit.

It shouldn’t, as long as you maintain continuous coverage. If you let your coverage lapse, your lender could step in with a costly force-placed policy.

Yes. Surplus lines and FAIR Plans offer alternatives, and some carriers specialize in covering specific risks, like coastal exposure or certain pet breeds.

A home insurance  non-renewal  can feel overwhelming, but it doesn’t mean you’re out of options. By understanding the process and working with a knowledgeable agency like  Vargas & Vargas Insurance , you can find coverage that protects your home—and your peace of mind.

👉  Request a free quote now
📞 Or call us at  (617) 298-0655  for personalized support.