High risk homeowner’s insurance is not something most homeowners ever expect to need. Insurance agencies can and will refuse to renew your insurance if they decide you are high risk. There are a few reasons your home could find itself in the high risk category. The condition and age of your home and claims history can cause your insurance company to drop your policy. Living in a flood plain or on an earthquake fault could also put you in need of high risk insurance. If you live in an area prone to catastrophic losses or even high crime area, you could be at risk of being dropped or non-renewed. Knowing why you could be dropped is important but knowing what to do when it happens is vital.