What to do first
- A non-renewal ends your policy at the end of its term. It is different from a cancellation in the middle of a term.
- Insurers must give advance notice, typically at least 30 days, and many states require more, so check your letter for the date.
- Start shopping immediately with an independent agent who works with several insurers.
- If no private insurer will cover you, many states run a FAIR plan as a last-resort option.
In this article
Common reasons for non-renewal
- Insurer pulling back from high-risk areas
- Several claims in a short time
- An old roof or outdated wiring
- Unrepaired damage found in an inspection
Notice periods and rules vary by state. Your state department of insurance can explain yours.
A home insurance non-renewal notice is stressful, but you usually have time. Insurers must give advance notice, and in many states they must explain why.
Follow these steps in order so your home is never uninsured, even for a day.
Your step-by-step plan after a non-renewal
- Find the end date. It is on the notice. Mark it on your calendar.
- Read the reason. If it is something you can fix, such as a roof or a hazard, ask whether fixing it would change the decision.
- Call an independent agent. They can quote several insurers at once.
- Tell your mortgage servicer. They need proof of new coverage before the old policy ends.
- Compare coverage, not just price. A new policy may have a higher deductible or roof limits.
- Start the new policy before the old one ends. A one-day overlap is better than a one-day gap.
What if no one will insure your home?
Many states have a Fair Access to Insurance Requirements (FAIR) plan. It is a last-resort insurer for people who cannot find coverage in the regular market.
FAIR plan
- Available when private insurers decline you
- Often covers fewer perils, sometimes only fire
- Usually costs more for less coverage
Private market
- Broader coverage options
- More discounts available
- Worth rechecking every year
If your FAIR plan covers only fire, ask an agent about a difference-in-conditions policy that adds theft, water damage and liability.
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If your coverage lapses, your mortgage servicer can buy force-placed insurance and charge you for it. It is usually far more expensive and often protects only the lender's interest, not your belongings or liability. Avoid it by sending proof of new coverage quickly.
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Prevent the next non-renewal
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Frequently asked questions
What is the difference between non-renewal and cancellation?
Non-renewal means the insurer will not offer a new term when yours ends. Cancellation ends a policy during its term and is usually limited to reasons such as nonpayment or fraud.
How much notice must an insurer give?
It depends on your state. The NAIC says it is typically at least 30 days before renewal, and some states require more. Your notice will list the date coverage ends.
Can I appeal a non-renewal?
Many states let you ask for a review or file a complaint with the state department of insurance if you think the reason is wrong.
Will a non-renewal make insurance harder to get?
It can make some insurers more cautious, but many will still quote you. An independent agent can help.
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