Mostly PTF as Im likely to be in a similar situation. Plan to put house on the market in July and it seems there are no insurers that will write new policies - or maybe write then at exorbitant prices - and won't write wild fire or flood insurance at all. This is a mountain town in Calif that is impacted by both those things and it seems no banks will loan the money without them. I bought with cash and just have a regular HO policy plus an earthquake policy (which thru the state and not insurance companies). Really not sure how much of an issue this will be but want to be prepared. Any advice? I don't want to do seller financing so think only a cash buyer willing to self-insure is the only way I can get a buyer.