States where we take quote inquiries
We take quote inquiries for historic and older homes in 46 states: every state except California, Hawaii, New York and Rhode Island.
- Alabama
- Alaska
- Arizona
- Arkansas
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Quote inquiries are not currently available for homes in California, Hawaii, New York and Rhode Island. Taking an inquiry does not establish eligibility or guarantee that a policy is available for a particular property.
Why the state matters
State laws, insurer rules and the market in which a policy is offered can affect the proposal. Ask which requirements apply to the actual insurer and form. An admitted-insurer rule should not automatically be applied to a surplus lines policy.
- Cancellation and nonrenewal. Check the notice, timing, reason and applicable rights with the state insurance department.
- FAIR Plans and other programs. Availability, eligibility and coverage differ. Some states use other residual-market mechanisms, and some have no FAIR Plan.
- Surplus lines. Review applicable placement requirements, taxes, fees and guaranty-association protection.
- Property-specific restrictions. Identify any preservation or floodplain requirements affecting the proposed repair or use.
The NAIC state insurance department directory can help you find the appropriate regulator. Use the nonrenewal guide to organize a time-sensitive review.
Sources
- State insurance departments, National Association of Insurance Commissioners (NAIC)
- Fair Access to Insurance Requirements (FAIR) plans, National Association of Insurance Commissioners (NAIC)
- Surplus lines, National Association of Insurance Commissioners (NAIC)
This page is general information, not legal advice or a coverage decision. Your policy wording and your state's law control.
Tell us about your house
When it was built, what has been updated and when your current policy ends. Start with what you know. We can help identify the next questions.