Non-renewed or declined in California
A non-renewal notice starts a clock. California requires at least 75 days of notice (90 days beginning January 1, 2028) before your policy ends, counted from the day it was mailed. For a mailed notice, the law adds five calendar days to the notice period, or 10 if it was mailed from or to another state.
Your home insurance was non-renewed. Here is exactly what to do.
Non-renewed in California? What the notice means, the deadlines that protect you, and how to find coverage, step by step.A home insurance decline is a starting point, not a verdict.
Turned down for home insurance in California? What a decline means, which reasons you can change, and the three places coverage comes from.The law gives you 75 days. Here is how to use them.
California requires 75 days' notice (90 beginning January 1, 2028) to non-renew a home policy. What the notice must say, and what to do if it is late.What does SB 1301 change about California non-renewal notices?
From January 1, 2028, SB 1301 requires 90 days' notice to non-renew a California home policy, and a 120-day warning when the problem is one you can fix.Force-placed insurance is the policy your lender buys when yours goes away.
Force-placed (lender-placed) insurance is the costly policy your mortgage servicer buys when your coverage lapses. How to remove it and get a refund.What a gap in home insurance actually costs you.
How to get home insurance after a lapse in California, what a gap costs with or without a mortgage, and the switching order that avoids one.Your claims history follows your house. Here is how to read it.
Insurers pull a CLUE report on your property before quoting your home. How to get your own copy at no cost, what raises red flags, and how to fix an error.Is your ZIP code under a California insurance moratorium?
California bars wildfire non-renewals near a declared fire for one year. AB 2038 makes it two years starting January 1, 2027. How to check your ZIP code.Is there a roof age limit for home insurance in California?
California law sets no roof age limit, but many insurers do, usually 20 or 25 years for shingles. Filed rules, the 2028 inspection rule, your options.Is a home built before 1960 insurable in California?
A California home built before 1960 can be insured, though old wiring, plumbing or heating can get in the way. What insurers asked for, and what to gather.Will California insurers cover a Zinsco panel or knob and tube wiring?
Old wiring can make California home insurance hard to get, and sellers must warn buyers. What insurers have said, Zinsco panels, and the FAIR Plan rule.Is your California home still insured during a major renovation?
A homeowners policy usually keeps covering a California home during a remodel, with gaps for theft on site and faulty work. What to ask before work starts.
Being turned down is different: no policy existed, so no notice clock is protecting you. Either way, one company's answer does not speak for other standard and specialty insurers. These guides cover what the letter means, the deadlines that protect you, and the order to work in.
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