Whether your situation or home is considered high risk, or you have been turned down for insurance in the past, taking these steps may help:

Consult with your insurance provider

It's a good idea to talk to your insurance provider before purchasing a high-risk home. Your insurance provider can help you find out whether you may have difficulty insuring the property. If you already own a property and can't get homeowners insurance, it's still a good idea to ask your insurance provider about next steps. Your insurance provider may be able to refer you to a local insurance program or the next appropriate contact.

Talk to the neighbors

Chances are, if your home is in a high-risk area, you aren't alone. It's possible that your neighbors have also run into issues. It doesn't hurt to ask them about how they secured insurance on their home, and who their providers are, says the III.

Contact your state's insurance department

You can also consider contacting your state's department of insurance if you're having trouble obtaining homeowners insurance. Your state may have established programs (such as a Fair Access to Insurance Requirements (FAIR) plan) to help homeowners in the area get insurance, says the III. For example, you may find this type of program is available if your home is along the coast, as many homes in the area may be deemed high risk.