Optional next step

Want a licensed broker to help?

This is optional, and for a lot of people the do-it-yourself path below is the better one. If you'd rather have someone do the legwork, here's exactly what happens, who pays whom, and where your details go — said plainly, not buried.

First — could you just do it yourself?

Often, yes. The shortest version:

Try the standard market first. Get quotes from at least three admitted carriers (an independent agent can run several at once). A FAIR Plan or surplus-lines policy should be the fallback, not the first stop.
If you're declined, go to your state's FAIR Plan (if it has one) through any broker registered to submit it — most independent agents are. Your state page links the official plan and the broker-finder.
If there's no FAIR Plan, a surplus-lines (E&S) broker can place coverage with non-admitted carriers. Ask specifically for that.
Don't let coverage lapse — a gap triggers force-placed insurance from your lender, which is more expensive and worse.

The full playbooks: non-renewal notice · buying in a risky area · premium jumped.

Or — we'll connect you

What happens if you submit this:

We share the details you give us — your name, email, state, and situation — with one or more licensed insurance brokers licensed in your state, and we may share them with partners, so someone can contact you about your options.
They contact you — by email, or by phone or text only if you give us a number and tick the box that says a call is fine.
We may add your email to our mailing list and use it — or let partners use it — to send you related offers. Every message has an unsubscribe link.
We may be paid a referral fee by a broker. You are never charged anything for this, and it doesn't change your price.
You can opt out anytime — unsubscribe from any email, or email [email protected]. Full detail and opt-outs: Privacy Policy.

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Phone (optional — only if a call is OK)

A phone call or text is fine. If I provide a number, I give my prior express written consent for a licensed broker Still Insurable connects me with to contact me at that number about insurance options — including by automatic dialing system, prerecorded or artificial voice, and text. This consent isn't a condition of buying anything, message and data rates may apply, and I can revoke it at any time.

I'd like Still Insurable to share these details with one or more licensed brokers, and with partners, so they can contact me about insurance options, and I understand my email may be added to a mailing list. I can opt out anytime. How my data is used.

Phone is optional — leave it blank and a broker contacts you by email. Where your details go and how to opt out: Privacy Policy.

Still Insurable is not an insurer, broker, or agent and does not give insurance advice. We may receive a referral fee from a broker we connect you with; this does not change your price and you are under no obligation. Brokers are independently licensed; their advice is their own. Submitting this form is a request to be contacted, not an application for insurance — it is not an insurance application or a quote. The information you submit may be shared with one or more licensed brokers and with partners, and your email may be added to a mailing list we may use for our own or partners' offerings; you can opt out anytime — see the Privacy Policy and our Terms of Use. Page last reviewed 2026-05-11.