I own a slightly run down house and recently received a letter that my homeowners insurance policy will not be renewed due to that company pulling out of my State. Likewise I need to get a new policy and believe that my mortgage company will probably demand it. The issue is that the property is slightly run-down (holes in ceiling, water damage is basement, leaky roof, rotten deck, detached gutter, and junk in the yard. I suppose most new companies would have a problem with that when they assess the house. So what company can I use that would not require an inspection or doesn’t care about the condition?