What Should I Do If I Receive a Non-Renewal Notice for My Home Insurance?

Fighting a homeowners insurance non-renewal notice can feel overwhelming, but there are steps you can take to try to reverse the decision. Here’s a guide on how to handle it:

1. Review the Notice: Look carefully at the non-renewal notice you received. It should explain the reasons for the non-renewal. Common reasons include unpaid premiums, changes in risk factors (like claims or the condition of the property), or issues with coverage that violate your policy terms.

2. Call Us: Reach out to us to discuss the reason for non-renewal. Sometimes, misunderstandings or clerical errors are the cause, and a quick conversation can resolve the issue.

3. Address the Issues:

• If the non-renewal is due to unpaid premiums, pay any outstanding balance and request a review of your policy.
• If the non-renewal is because of claims or the condition of the property, ask for clarification and if possible, make the necessary repairs or improvements (like fixing a leaking roof or installing safety measures).

4. File a Complaint: If you feel the non-renewal is unfair or unjustified, you can file a complaint with your state’s insurance department. They can investigate the issue and may be able to intervene on your behalf.

5. Look for Alternatives: While fighting the non-renewal, it’s also wise to explore other insurance providers. Sometimes, insurers non-renew due to factors that are not within your control (e.g., the risk of natural disasters in your area), and switching insurers may be a better option in the long run.

6. Check for Consumer Protections: Some states have laws that restrict insurance companies from non-renewing policies in certain situations (such as after one claim, or after a certain length of time). Look into whether your state has any protections like this.

7. Call us to discuss changing your insurance carrier: We are an independent insurance agency, which allows us to work with multiple insurance providers. If you are in a situation where your current insurance provider will not renew your policy, another one of out insurance carriers may be a good option for you.