Insurance Dropped Your Florida Home? Sell Fast for Cash
Insurance Company Dropped Your Florida Home? Sell for Cash in 7-14 Days
Quick Answer: If your insurance carrier dropped or non-renewed your Florida home, Homeinc can buy it in cash in 7-14 days. Traditional buyers need insurance to get mortgage financing — we do not. Call (888) 850-2636 for a cash offer in 24-48 hours.
Florida’s homeowners insurance crisis is worse than any other US state. Citizens Property Insurance (the state-run insurer of last resort) dropped 50,000+ policies in 2025-2026, and dozens of private insurers have exited the state or stopped writing new policies. Homeinc has been buying Florida homes since 2013 and specializes in situations traditional buyers cannot handle — including homes that have been dropped by their insurance carrier or cannot get replacement coverage. We pay cash, close in 7-14 days, and buy in any condition.
Unreal experience. Great group to work with. Everything went smoothly and quickly. Highly recommend. – Alex A.
Homeinc was very easy to work with. Knowledgeable, reliable, and efficient. – Lisa L.
Very friendly and accommodating. Everything was done quickly and efficiently. – Chris S.
Why This Is An Emergency (And Why You Need To Sell Fast)
- No insurance = no refinancing. Your current mortgage will eventually require insurance. When it lapses, the lender force-places expensive coverage or triggers default.
- Traditional buyers need insurance. No insurance means no mortgage, which means no traditional buyer can close on your home.
- Property value will drop. As other buyers discover the home is “uninsurable,” market value collapses. Sell before that happens.
- Homeinc pays cash. We do not need insurance to buy. We close in days, not months.
- Every additional insurance claim makes it worse. If you file another claim before selling, coverage becomes even harder to find.
How the Homeinc Sale Works
- Call (888) 850-2636 or fill out the form.
- Written cash offer within 24-48 hours.
- Pick your closing date. As fast as 7 days.
- Close at a licensed local title company. Get paid. Done.
Frequently Asked Questions
Why did my insurance company drop my Florida home?
Florida has seen dozens of insurance carriers exit the market since 2020. Many homeowners get non-renewal notices for roofs older than 15 years, prior hurricane claims, location in flood zones, or simply because their carrier stopped writing Florida policies. Reinsurance costs have skyrocketed and legal environment changes have driven carriers out.
Can I sell my house if I cannot get insurance?
Yes. Homeinc pays cash, so we do not need your house to be insurable to buy it. Traditional buyers need insurance to qualify for a mortgage, but we do not. This is exactly the situation we were built for.
How fast can Homeinc close?
We close in 7-14 days from accepting our written offer. No insurance contingency, no financing contingency, no appraisal contingency. Just cash.
Will Homeinc still buy if my home has an open hurricane claim?
Yes. We buy in every situation — open claims, denied claims, unfiled claims, or already paid claims. We handle the claim after closing.
Do I have to disclose the non-renewal to Homeinc?
Yes, and we will factor it into our offer. We are Florida-based cash buyers who understand the insurance market. We will not use it as a reason to lowball — it is just part of the valuation.