Rejected for Homeowners Insurance? Here's What Monkey D Luffy Would Do

High risk location: Is your house made of rubber

Hey there landlubbers! If you're living in an area plagued by tornadoes or wildfires like the Grand Line you might find it hard to get homeowners insurance. Those insurance carriers can be a stingy bunch afraid that your house will be blown away or set on fire faster than you can scream 'Gomu Gomu no Pistol!' But hey don't despair. You can always try installing security devices or maybe use some Conqueror's Haki to make your home less risky.

Potential hazards: That wood burning stove might look cool but insurers disagree

Ahoy! So you've got a swimming pool a wood burning stove or maybe even a treehouse (like Roger did) and you think they make your home extra special. Well think again. Insurance companies may see these 'potential hazards' as nothing more than a fire waiting to happen. Just like how Enies Lobby was burning down insurers don't want to take a chance. But fear not my nakama you can compare offers and search for insurers who appreciate the excitement these hazards bring to your life!

Low insurance score: Is your FICO score lower than Buggy the Clown's IQ?

Yohohoho! Did you know that some insurers actually look at your credit history when deciding whether to insure you? Yeah it sounds weird but it's true. It's like getting judged by your past financial behavior. If your insurance score is as low as Buggy the Clown's IQ which is not saying much then you might get rejected. But don't worry there are some states like California Hawaii and Massachusetts that don't care about your credit history. So in those places you can have as much debt as Usopp's tall tales and still get insured!

Lapsed coverage: Did you forget to stretch your insurance policy?

Oi oi! Letting your previous homeowners policy lapse is like leaving your crew behind. Insurance companies don't like it when you forget to renew your policy and worry that you'll do the same with them. They don't want to be left high and dry just like when we left Drum Island and poor Kureha. So make sure you keep your policy up to date or you'll be searching for insurance like we search for the One Piece!

Previous claim history: Too many repairs on your ship? Maybe you shouldn't admit it

Ah the history of claims. Insurance companies love digging into your past just like Admiral Akainu loves digging into my business. If your property has a lot of foundation repairs or if you've made a ton of claims on a previous policy insurers might see it as a sign of trouble. So try not to admit all your repair woes just like I don't admit all the scuffles I get into. Keep it a secret from the insurers and you might have a better chance!

Part time occupancy: They don't trust you to look after your home? Come on!

Hahaha! Imagine insurance companies thinking that you can't take care of your own home. If it's not your primary residence and you're trying to get coverage for your beach house or ski condo they might doubt that you'll actually look after it. But hey who needs insurance when you have Straw Hat Pirates? We'll protect your property better than any insurance company. Leave the worries to us and enjoy your adventures worry free!