Insurance eligibility guidelines vary by company, so explore all the options. Cosmetic changes should not prevent you from obtaining coverage, but physical concerns are another matter. Discuss the specifics of your situation with a local property insurance agent to confirm homeowners insurance possibilities.

Ask about the Illinois FAIR Plan if you run out of options. The FAIR Plan insures properties turned down by traditional companies, but there are still eligibility rules. For example, you must make three unsuccessful attempts to buy coverage from insurers. In addition, the dwelling needs to be structurally sound and meet basic fire, loss prevention, and safety standards. The FAIR Plan does not insure vacant properties. Coverage in the FAIR Plan is similar to that available from traditional insurance companies, but rates are higher. Look into other possibilities as your situation improves.