Home Home insurance Home Insurance Basics How can I get homeowners insurance after non-renewal? How can I get homeowners insurance after non-renewal? Written by: Tanza Loudenback | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on December 20, 2021 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. It’s less than ideal to receive a homeowners insurance policy non-renewal letter. Thankfully state insurance laws protect an honest homeowner from having the rug pulled out from under them. Insurance companies have to notify homeowners of a non-renewal at least one month — and in some states up to 100 days — before their policy’s renewal date so there’s time to find another carrier. Many states also require homeowners insurance companies to provide a reason for the non-renewal and allow a homeowner to dispute it. Online tools make it easy for homeowners searching for new coverage to compare quotes from the top home insurance companies. As a last resort, homeowners should consider their state-mandated homeowners insurance program. Key Takeaways A non-renewal of homeowners insurance is when an insurance company or policyholder decides to end coverage at the policy’s scheduled renewal date. Carriers must send a notice of non-renewal at least 30 days before a policy’s renewal date. To find new homeowners insurance, compare quotes online from private carriers. As a last resort, check out your state’s FAIR Plan. Where can I get home insurance after a non-renewal? If you get a notice of non-renewal from your insurance company, don’t ignore it. Letting your homeowners insurance non-renew without a replacement means you could wind up in a “force-placed” policy, which is as unsavory as it sounds. Your mortgage lender will step up and find an insurer at whatever cost and coverage terms it can get. To avoid too-high premiums and inadequate coverage, do the research yourself. You have some options. Option 1: Contest the non-renewal If you think your non-renewal is unwarranted and want to stick with the same insurance company, you can challenge it. This usually involves proving that insuring your home is not as risky as the insurance company believes or making updates or modifications to reduce any present risk. Option 2: Find another insurance carrier If you decide to find a new insurer, compare the best home insurance companies. You’ll find information about customer service, discounts and accessibility, and feedback from actual policyholders to find a plan that fits your situation. Then request quotes to find the best rate, being sure to compare the same coverages and coverage limits from each insurance company Last resort: Check out your state’s FAIR Plan If you can’t find a private carrier willing to offer you coverage and you’re running out of time, contact the organization that runs your state’s FAIR Plan (Fair Access to Insurance Requirements). These plans are designed for high-risk homes. Coverage under a FAIR plan can be more expensive and less robust than what you’d get on the private marketplace, so it’s often considered a last resort. In addition, you typically have to prove that you’ve been denied standard coverage from other insurers to qualify. Luckily, this coverage isn’t permanent. You might be able to make improvements to your home to reduce risk — such as installing an alarm system if crime is a risk — and re-apply for standard homeowners insurance coverage in a year or two. Why a home insurance company might not renew your policy Insurance is regulated at the state level so companies can operate differently across state lines. In general, it’s possible to get a notice of non-renewal on your homeowners insurance if you’ve made too many claims or repeated claims for similar perils, such as theft or water damage from burst pipes. You could also get a non-renewal letter if your home no longer fits the insurance company’s definition of acceptable risk, whether because you’ve made substantial changes to the property or they’ve changed their standards. A non-renewal isn’t always the homeowner’s fault. For example, if you live in an area where catastrophic storms have become commonplace, a carrier may decide to stop offering coverage there because the likelihood of property damage has risen. A carrier could also base a non-renewal on a new home inspection that indicates problems are on the horizon. However, state governments will sometimes step in to protect homeowners from non-renewals. For example, in California communities impacted by wildfires, the state insurance commissioner declared several one-year moratoriums on non-renewals and cancellation, meaning carriers can’t drop customers because of wildfire risk. Likewise, in Texas, carriers can’t non-renew a policy because of claims related to natural causes, like weather. Why it may be difficult to get homeowners insurance after non-renewal Insurance companies generally won’t consider a previous non-renewal a red flag, but it may cause them to dig deeper. The good news is that if your homeowners insurance non-renewal wasn’t caused by excessive claims, damage or missed payments, you shouldn’t have trouble getting picked up by a new carrier. However, if your home does pose a risk beyond the standard level, you might have to fork over a higher premium or agree to make improvements to your property before signing a new policy. Start shopping for a new carrier as soon as you get a non-renewal letter so you can thoroughly compare policies before yours ends. QuickTake How to read your homeowners insurance policy How much home insurance do I need? Homeowners insurance basics Types of homeowners insurance Home insurance exclusions: What does homeowners insurance not cover? Your guide to home insurance deductibles How to create a home inventory list What does homeowners insurance cover? Guide to additional living expenses coverage 14 ways to save on home insurance How to switch home insurance How having a roommate impacts your homeowners insurance coverage The basics of title insurance How to find a homeowners insurance policy Why you should hire a public insurance adjuster Does homeowners insurance cover theft? How to shop for homeowners insurance in five steps Do I need homeowners insurance? Home insurance inspection: how to prepare a checklist Can a homeowners insurance company drop you? Guide to home insurance for new construction Insurance coverage for holiday catastrophes you’ve seen in the movies 11 astonishing things covered by home insurance Working from home: The remote worker's guide to insurance Home insurance: How to avoid being underinsured Pay more, get less: Percentage-based deductibles Should you carry an umbrella insurance policy? How much should I insure contents for a 2,400-square-foot home appraised at $600,000? Our garage is very unstable. Do we have to wait until it falls over to file an insurance claim? It is a hazard! Hidden home insurance loopholes can shock you See more > What is the difference between cancellation and non-renewal? A homeowners insurance non-renewal can only happen at the time a policy is set to renew. You can find your renewal date on the declaration page of your homeowners policy. Most policies last 12 months, so if your renewal date is December 1 and you live in New York, you’ll be notified of a non-renewal by October 16. A homeowners insurance cancellation is different because it can happen at any time. A carrier can decide to cancel before your renewal date if you miss payments or it finds out you misrepresented information on your application. Like a non-renewal, most states require a carrier to give notice of a cancellation around 30 days before the policy ends. As a homeowner, you can also cancel your policy if you’re unhappy with the coverage or carrier. However, unlike a non-renewal, a cancellation could trigger a fee. In case you missed it What is HO-6 condo insurance and what does it cover? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Is it legal for my home insurance company to drop my coverage after filing a claim? By Shivani Gite What is HO-6 condo insurance and what does it cover? By Shivani Gite What is hurricane insurance? By Shivani Gite Are landlords responsible for tree damage to your car? By Casey Bond Does homeowners insurance cover rotting wood? By Penny Gusner Can my homeowners insurance get canceled because my house is empty? By Nupur Gambhir On this page Where can I get home insurance after a non-renewal?Why a home insurance company might not renew your policyWhy it may be difficult to get homeowners insurance after non-renewalWhat is the difference between cancellation and non-renewal? Get instant quotes now ! Please enter valid zip Get Quotes