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Insurance carriers can refuse to insure you if you have an adverse claims history, it all depends on there underwriting guidelines.

Being in a more secure neighborhood may be enough to get you approved for coverage again. Also, the installation security enhancing measures such as burglar alarms and video monitoring devices can help lower your risk for being the victim theft or burglary again.

Any measures you take to reduce your risk factors will be looked on favorably by the insurance company of your choice. Some like the alarms systems will even get you a premium discount on your policy.

Claims are one of the first things they look at, no matter what type of claim, it does send up red flags. I would just keep checking with all the companies in your area and if not maybe they can refer you to a high risk company.

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Q: If you've been robbed twice in the past two years and have now moved to a very nice neighborhood and old renter's insurance dropped you how do you get a new company to give renter's insurance?
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