Homeowners insurance nonrenewal notice checker
State laws set how much written notice a home insurer must give before it nonrenews your policy (won't offer another term) or cancels it. Pick your state and your policy's expiration date to see the minimum notice, the latest date it could be sent, and the law it comes from.
What this checker leaves out
- Your policy may promise more notice than the law requires; the policy's own conditions section says.
- Special rules for wind pools, FAIR plans and other last-resort plans, and for surplus lines insurers (companies not licensed in your state that cover hard-to-place homes), unless we list them for your state.
- Policy terms that aren't 12 months long. When a law change depends on the date your policy was issued or renewed, the checker assumes your current term started 12 months before it expires.
- Emergency orders after a disaster, which can pause nonrenewals for a time. Your state's page lists recent ones.
- In many states, what happens when a notice is late. We list it under "Special rules" when the law says; otherwise ask your state insurance department.
What to do after a nonrenewal: our nonrenewal guide and your state's page.
Questions people ask
How much notice does my insurer have to give before nonrenewing my homeowners policy?
It depends on your state. Almost every state sets a minimum number of days of written notice before the policy's expiration date, from 20 days (Indiana, for policy terms that began before 2027) to 120 days (Florida). Alabama and North Carolina set no number for an individual homeowners policy, and Idaho sets none for policy terms that began before 2027. Pick your state above to see its rule, with the law it comes from.
Is a nonrenewal the same as a cancellation?
No. A nonrenewal means the insurer won't offer a new term when the current one ends. A cancellation ends the policy before its term is up, and most states allow it only for set reasons, such as unpaid premium, once a policy has been in force for a while. The notice periods are different, and the checker shows both.
What if my notice came late?
The rules differ by state, and some laws say what happens when notice is late. Call your state insurance department (the number is on your state's page here) and ask; the department can look at your notice and your policy. Our nonrenewal guide explains your other next steps.
Do I have to be told why?
Many states require the insurer to state the reason in the notice, and some only if you ask. The checker shows what your state's law says.
Notice periods come from each state's statute or regulation, checked October 14, 2026; each result links the law. This is general information, not legal advice. Your choices are kept only in this browser and in a link if you copy one.