Need High Risk Homeowners Insurance? Get Better Coverage At A Better Rate. We want to help you get better homeowners insurance coverage at a better rate. Knowing what you need and having the proper policy can mean a world of difference should you ever need to file a claim for your home. On occasion, homeowners may find themselves classified as high risk insurance customers for a variety of reasons. This classification can result in higher premiums or substandard coverage if consumers do not find an agent with the right resources to find them a quality policy, both in coverage and price. The most frequent reasons for the classification are a lapse in coverage, claims history, home age, poor credit and even geographical area Let us help!