Has your home insurance been cancelled? Did your insurance company send you a notice that they would not renew your home insurance? Did your insurance premium rates triple after you filed a claim?

Frequent reasons for cancellation, nonrenewal , or huge rate increases include:

• Vacant or unoccupied property
• Pit Bulls, Dobermans, Rottweilers, German Shepherds, Chow dogs, Wolf Hybrids, or Akitas on the premises
• Condition of property, including aged or old roof, bad shingles, peeling paint, damaged siding, cracked sidewalk or driveway, overhanging tree branches, dead trees in yard
• Missing or damaged rails
• Claims History
• Burglar Bars (yes, we are hearing of other companies cancelling policies for Burglar or Security bars on windows!)
• Trash, junk or debris in yard
• Junk Cars
• A business at your home
• Burglary claims
• Credit or Bankruptcy issues
• Unusual construction, such as a log home
• Unprotected area or volunteer fire department
• Hail Damage or Wind / Windstorm Claims
• Multiple Claims

• Frame owner occupied home in Riverdale, cancelled due to three claims: Hail, Burglary, and Broken Pipes. $130,000 homeowners insurance coverage package is $777 per year.

• Brick owner occupied home in East Point, cancelled due to peeling paint, damaged doors, and rotted soffit and eaves. Had a pitbull mix. Basic coverage for home and contents for $138,000 coverage at $703 per year.

• Frame owner occupied home in City of Atlanta, no prior insurance history, $50,000 homeowners package quoted at $556 per year.

• Frame tenant occupied rental house in Montezuma, GA, $30,000 coverage is $365 per year.
   

• Brick owner-occupied home in East Point, cancelled due to buckled roof, wanted only basic coverage, $50,000 quoted at $379 per year.

• Frame, owner occupied home in City of Atlanta, prior insurance company would not reinstate due to claims & poor payment history, $60,000 homeowners package written at $559 per year.

• Frame, tenant occupied duplex in City of Atlanta, cancelled due to debris on premises, $95,000 coverage is $653 per year.

• Brick 4 family rental building in East Point, cancelled because of condition and property inspection by previous company turned up a Pit Bull,   $120,000 basic building coverage, $930 per year.

• Brick owner occupied home in College Park, $155,000, homeowners package quoted at $1,052 per year.

• Brick owner occupied home in Cobb County, cancelled by previous insurance company for hail damage and burglary claims, $145,000 homeowners package, $936 per year

• Frame owner occupied home in Decatur, cancelled due to 2 hail claims, $119,000 coverage, $740 per year for homeowners package

• Concrete block, owner occupied home in rural Douglas County, cancelled due to obsolete wiring, $39,000 homeowners package $740 per year.