Since 2007
Empowering Homeowners to Regain Control
Force placed homeowners insurance is more than just a policy; it is a stressful financial burden that often leaves families feeling overwhelmed and unprotected.
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Since 2007
Empowering Homeowners to Regain Control
Force placed homeowners insurance is more than just a policy; it is a stressful financial burden that often leaves families feeling overwhelmed and unprotected.
01A
02B
02B
03C
04X
05Z
06M
07F
08R
09L
01A
02B
02B
03C
04X
05Z
06M
07F
08R
09L
Since 2007
Empowering Homeowners to Regain Control
Force placed homeowners insurance is more than just a policy; it is a stressful financial burden that often leaves families feeling overwhelmed and unprotected.
01A
02B
02B
03C
04X
05Z
06M
07F
08R
09L
01A
02B
02B
03C
04X
05Z
06M
07F
08R
09L
Who we are
Force-placed insurance usually shows up at the worst moment—after a lapse, a non-renewal, or a missed notice—and suddenly the choices feel rushed, expensive, and unclear.
Force-placed insurance usually shows up at the worst moment—after a lapse, a non-renewal, or a missed notice—and suddenly the choices feel rushed, expensive, and unclear.
Most people looking for help discover :
Nonstop Agency Spam
Instead of answers, homeowners are often bombarded by a barrage of automated calls and form spam.
Nonstop Agency Spam
Instead of answers, homeowners are often bombarded by a barrage of automated calls and form spam.
Nonstop Agency Spam
Instead of answers, homeowners are often bombarded by a barrage of automated calls and form spam.
Surface-Level Help
Most responders don't actually specialize in the problem. They lack the specific expertise required to help you.
Surface-Level Help
Most responders don't actually specialize in the problem. They lack the specific expertise required to help you.
Surface-Level Help
Most responders don't actually specialize in the problem. They lack the specific expertise required to help you.
Opaque Information
Crucial facts are usually hidden behind rushed quotes and high-pressure sales, leaving you lost and overwhelmed.
Opaque Information
Crucial facts are usually hidden behind rushed quotes and high-pressure sales, leaving you lost and overwhelmed.
Opaque Information
Crucial facts are usually hidden behind rushed quotes and high-pressure sales, leaving you lost and overwhelmed.
ForcePlacedHomeInsurance.com exists to slow that chaos down.
We help homeowners get connected to one experienced, licensed insurance professional who understands lender-placed coverage, lender requirements, and realistic replacement options.
ForcePlacedHomeInsurance.com exists to slow that chaos down.
We help homeowners get connected to one experienced, licensed insurance professional who understands lender-placed coverage, lender requirements, and realistic replacement options.
Homeowners shouldn’t be left navigating this blindly.
Homeowners shouldn’t be left navigating this blindly.
Why This Guide Exists
Most homeowners find themselves with force-placed coverage due to circumstances outside their control
Significantly More Expensive
Leading to sudden escrow shortages and spiked mortgage payments.
Significantly More Expensive
Leading to sudden escrow shortages and spiked mortgage payments.
Significantly More Expensive
Leading to sudden escrow shortages and spiked mortgage payments.
Extremely Limited
Focused on protecting the lender's collateral rather than your personal belongings or liability.
Extremely Limited
Focused on protecting the lender's collateral rather than your personal belongings or liability.
Extremely Limited
Focused on protecting the lender's collateral rather than your personal belongings or liability.
Who this expert guide is for
The Policy Lapsed
The Policy Lapsed
For homeowners currently dealing with expensive lender-placed insurance due to an accidental or unavoidable lapse in coverage.
For homeowners currently dealing with expensive lender-placed insurance due to an accidental or unavoidable lapse in coverage.
The Dropped or Non-Renewed
The Dropped or Non-Renewed
For those facing a non-renewal notice or a sudden coverage gap and needing to secure a new policy before the lender steps in.
For those facing a non-renewal notice or a sudden coverage gap and needing to secure a new policy before the lender steps in.
The High-Risk Property
The High-Risk Property
For owners of properties in coastal zones, wildfire regions, or areas with complex underwriting characteristics that standard agencies often avoid.
For owners of properties in coastal zones, wildfire regions, or areas with complex underwriting characteristics that standard agencies often avoid.
The Maintenance Challenged
The Maintenance Challenged
For homeowners struggling to find traditional insurance due to a recent claim history, old roof issues, or property condition concerns.
For homeowners struggling to find traditional insurance due to a recent claim history, old roof issues, or property condition concerns.
The Clarity Seeker
The Clarity Seeker
For people who value transparent information, long-term continuity, and expert guidance over automated "quick quotes" and sales pressure.
For people who value transparent information, long-term continuity, and expert guidance over automated "quick quotes" and sales pressure.
The Paperwork or Transfer Gap
The Paperwork or Transfer Gap
For homeowners stuck in a force-placed loop caused by mortgage servicer transfers, closing delays, or administrative paperwork errors during a refinance.
For homeowners stuck in a force-placed loop caused by mortgage servicer transfers, closing delays, or administrative paperwork errors during a refinance.
How to remove force placed homeowner insurance
A Simple Exit Plan That Often Works
Once you understand how you arrived at force placed coverage, the next goal is usually to replace it and restore full protection.
01
Secure New Coverage
Shop for a policy that fits your specific situation, whether through standard insurers or high-risk "excess and surplus" markets.
Ensure your new coverage restores the personal property and liability protection that force-placed policies often omit, and verify that dwelling limits are based on replacement cost rather than just your loan balance.
02
Submit Proof
To cancel the lender’s policy, you must provide a complete proof of insurance package.
This typically includes a full declarations page and the servicer's specific mortgagee clause—including your loan number—to prove your coverage meets the minimum requirements of your mortgage contract.
03
Confirm Cancellation
Once your servicer accepts the proof, they will typically cancel the force-placed policy and issue a pro-rated refund to your escrow account.
Monitor your account to ensure the refund is applied and that your monthly mortgage payment is recalculated to reflect the lower insurance costs.
FAQ's
We answer your most asked questions
Everything you need to know about costs, coverage gaps, and the removal process.
Is ForcePlacedHomeInsurance.com an insurance company?
No. ForcePlacedHomeInsurance.com is not an insurance company and does not issue, underwrite, or bind insurance policies.
Do you sell or provide force-placed (lender-placed) insurance?
Can you remove or cancel force-placed insurance from my mortgage?
Do you guarantee coverage, pricing, or acceptance by my lender?
Do you provide insurance advice?
Does using this site create an agent or broker relationship?
Is ForcePlacedHomeInsurance.com affiliated Fannie Mae or Freddie Mac?
FAQ's
We answer your most asked questions
Everything you need to know about costs, coverage gaps, and the removal process.
Is ForcePlacedHomeInsurance.com an insurance company?
No. ForcePlacedHomeInsurance.com is not an insurance company and does not issue, underwrite, or bind insurance policies.
Do you sell or provide force-placed (lender-placed) insurance?
Can you remove or cancel force-placed insurance from my mortgage?
Do you guarantee coverage, pricing, or acceptance by my lender?
Do you provide insurance advice?
Does using this site create an agent or broker relationship?
Is ForcePlacedHomeInsurance.com affiliated Fannie Mae or Freddie Mac?
FAQ's
We answer your most asked questions
Everything you need to know about costs, coverage gaps, and the removal process.
Is ForcePlacedHomeInsurance.com an insurance company?
No. ForcePlacedHomeInsurance.com is not an insurance company and does not issue, underwrite, or bind insurance policies.
Do you sell or provide force-placed (lender-placed) insurance?
Can you remove or cancel force-placed insurance from my mortgage?
Do you guarantee coverage, pricing, or acceptance by my lender?
Do you provide insurance advice?
Does using this site create an agent or broker relationship?
Is ForcePlacedHomeInsurance.com affiliated Fannie Mae or Freddie Mac?
Get Started
Ready to Regain Control?
Don't let your mortgage company choose your protection. Follow our simple Exit Plan to secure better coverage, lower your monthly payment, and restore your peace of mind.
Get Started
Ready to Regain Control?
Don't let your mortgage company choose your protection. Follow our simple Exit Plan to secure better coverage, lower your monthly payment, and restore your peace of mind.
Get Started
Ready to Regain Control?
Don't let your mortgage company choose your protection. Follow our simple Exit Plan to secure better coverage, lower your monthly payment, and restore your peace of mind.