Here are some steps to limit the damage to your policy.
Sweat the small stuff yourself. Raising your deductible will cut your premiums and stop you from filing small claims, which could prompt your insurer to cancel your coverage.
Make sure you’re covered. Start shopping about four months be-fore your policy expires, so you’re not caught without coverage. Start at the National Association of Insurance Commissioners’ site, www.naic.org, or at Quote smith.com. Check the company’s financial rating, and go to badfaithinsur ance.org for a record of paying claims.
Use the last resort. About 40 states offer plans for the uninsurable. You can find them at the Property Insurance Plans Service Office, pipso.com. They’re expensive, but better than nothing.
