Can't get homeowners insurance? Start here.

A plain-language guide to keeping a home insured where wildfire, hurricanes and storms have pushed insurers out, built from official state sources.

• Your state's FAIR plan or wind poolWho qualifies, what it covers, what it leaves out, and how to apply.
• Dropped or nonrenewed?What the notice must say, how much warning your state requires, and your next steps.
• Discounts for hardening your homeWind mitigation inspections, FORTIFIED roofs, wildfire-prepared homes, and state grant programs.
• CalculatorsHow much dwelling coverage you need, what a percentage hurricane deductible costs you, and what mitigation could save.