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What should you do immediately if your homeowners insurance drops you?Experts weighed in.

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If your insurer pulls out of your area, its likely others have, too.

But it doesnt mean that every insurer has pulled out, she said.

Ask others around you what theyre doing and who theyre going with.

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Get quotes fromevery reputable insurerin your state.

The insurance company may have completely pulled out of the area, but maybe they havent.

Look To Your States High-Risk Pool

Be patient with the process.

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For example,California FAIR Planis an option when you cant get insurance elsewhere.

Ask Questions

Dont be afraid to ask questions, Gambill said.

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