Backup Insurance When Carriers Decline
Finding Coverage When Standard Carriers Say No in Central Oregon
Backup Insurance When Carriers Decline
Finding Coverage When Standard Carriers Say No in Central Oregon
What to Do When Your Insurance Carrier Declines Coverage
More Central Oregon homeowners are receiving non-renewal notices or being denied coverage as standard insurance carriers exit the high-risk wildfire market. If your carrier has declined to renew your policy or denied your application, you have options — and Prineville Insurance can help you find them.
Prineville Insurance specializes in finding coverage for hard-to-place properties in Central Oregon. We work with specialty carriers, surplus lines insurers, and — as a last resort — the Oregon FAIR Plan to ensure every Central Oregon homeowner can find the coverage they need.
Why Choose Prineville Insurance?
- Independent agency — we work for you, not the insurance company
- 50+ top-rated insurance carriers to compare
- Licensed Oregon agents with local expertise
- Serving Central Oregon since 1935
- Competitive rates through market comparison
- Personalized service and claims advocacy
Coverage and Services
Comprehensive insurance coverage for Central Oregon residents.
Specialty Market Coverage
Specialty carriers and surplus lines insurers cover properties that standard carriers decline — often with broader coverage than the Oregon FAIR Plan.
Oregon FAIR Plan
The Oregon FAIR Plan is insurance of last resort for homeowners denied by standard carriers. It provides basic fire coverage but requires a DIC policy to fill coverage gaps.
DIC Policy
A Difference in Conditions policy fills the coverage gaps left by the FAIR Plan — covering liability, theft, water damage, and other perils.
Wildfire-Specific Coverage
Some specialty carriers offer wildfire-specific coverage for high-risk properties in Central Oregon.
Fire Mitigation Discounts
Implementing fire mitigation measures can help you qualify for standard coverage and reduce your premium with specialty carriers.
Non-Renewal Assistance
Prineville Insurance can help you find replacement coverage quickly when you receive a non-renewal notice — before your current policy expires.
Why Central Oregon Residents Choose Prineville Insurance
Why Carriers Are Declining Oregon Homeowners
Standard insurance carriers have been exiting the high-risk wildfire market in Oregon due to increasing wildfire losses. Properties in wildfire-prone areas of Central Oregon are most affected. This trend is expected to continue as climate change increases wildfire risk.
The Specialty Market Solution
The specialty (surplus lines) market provides coverage for properties that standard carriers decline. Specialty carriers accept higher risk in exchange for higher premiums. Prineville Insurance works with multiple specialty carriers to find the best available coverage for declined properties.
Oregon FAIR Plan as Last Resort
If no standard or specialty market options are available, the Oregon FAIR Plan provides basic fire coverage as insurance of last resort. Most FAIR Plan policyholders also need a DIC policy to cover liability and other perils not included in the FAIR Plan.
Act Quickly After a Non-Renewal Notice
If you receive a non-renewal notice, you typically have 30-60 days to find replacement coverage. Contact Prineville Insurance immediately at (541) 447-6372 — we can often find replacement coverage quickly to avoid a coverage gap.
Backup Insurance When Carriers Decline — Frequently Asked Questions
Common questions about backup insurance when carriers decline
Still have questions? Our licensed agents are here to help.
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