Home Insurance How long until home insurance lapses if your payment isn’t made on time? By Penny Gusner Penny Gusner Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. | Posted on September 30, 2014 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. It varies according to state law, but it’s possible your homeowners insurance will lapse immediately if you do not make your payment on time. While health and life insurance policies may be required by state law to give you a grace period for payments, property and casualty insurance policies (auto and home) typically aren’t mandated to do so. Many states do require a 10-day cancellation notice be sent before your homeowners insurance is canceled. However, it’s possible your state may allow the cancellation notice for nonpayment to be included on your bill and not sent as a separate notice. This means by the time your due date has arrived, proper notice has already been given, and your home insurance policy can terminate. If laws in your state don’t require a grace period for home insurance, it’s up to your homeowners insurance provider to decide if it will give you one or not. To determine if your home insurance company gives you a grace period for payments, read your policy and contact your agent for clarification if necessary. If your policy has lapsed due to nonpayment, contact your home insurer as soon as possible to see if you can get it reinstated. You might have to have your home inspected and/or sign a no-loss statement saying nothing occurred during the lapse that you could claim in order to be reinstated without a gap in coverage. Penny GusnerContributor . .Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 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: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? 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 Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles What is HO-6 insurance? By Shivani Gite Are landlords responsible for tree damage to your car? By Casey Bond Can my homeowners insurance get canceled because my house is empty? By Nupur Gambhir Does homeowners insurance cover a leaking washing machine? By Laura Longero Home insurance inspection: how to prepare a checklist By Daniel Bortz How renters insurance works for pit bulls By Nupur Gambhir