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Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories.
Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. The insurance pays for medical bills for individuals who are injured when you are at fault, as well as personal property damage for which you are responsible. Liability coverage pays for legal costs should the other party sue you.
When your policy lapses, you leave yourself open to lawsuits for injuries and damage you caused or that occurred on your property. The lender for a mortgaged home sets requirements for homeowners insurance.
When homeowners insurance lapses, the insurance company usually sends a letter to the lien holder listed on the policy. The mortgage company has the right to purchase a policy for the home to protect the company's interest and pay for it with the homeowner's escrow. This force-placed insurance typically comes at a higher rate than a policy the homeowner buys on his own.
You have no choice in the policy and will likely have worse coverage than your original policy. When a homeowner attempts to start a new insurance policy, any potential insurers will find out about the lapse. The insurer sees the homeowner as a higher risk due to the period without insurance.
A few months go by and you get a notice in the mail: your homeowners insurance policy has lapsed! How could that have happened? You get all of your notifications online, where did this one go? It went into the wicker basket, tucked between a grocery store mailer and birthday card from your old college roommate. You totally missed it.
What are you going to do?
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