Does a homeowners insurance non-renewal in my area change what my home is worth?

A homeowners insurance non-renewal in the area can affect marketability more than appraised value, since a buyer who cannot secure affordable coverage may struggle to close or may negotiate the price down to cover a higher premium elsewhere. Roof age, prior claims and location-specific risk usually drive the non-renewal, and disclosing that history early avoids a late surprise during underwriting. A local agent can point buyers toward carriers still writing policies in that specific area.