Non-renewed or declined in California
A non-renewal notice starts a clock. California requires at least 75 days of notice before your policy ends, counted from the day it was mailed. Being turned down is different: no policy existed, so no notice clock is protecting you.
Either way, one company's answer is not the whole market's. These guides cover what the letter means, the deadlines that protect you, and the order to work in.
- 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 law requires 75 days' notice before a home insurance policy is non-renewed. What the notice must include, and what to do if it arrives late.
- Force-placed insurance is the policy your lender buys when yours goes away.Force-placed insurance is the costly policy your mortgage servicer buys if your coverage lapses. How to cancel it and get the unused premium refunded.
- What a gap in home insurance actually costs you.A lapse in California home insurance can trigger force-placed coverage and haunt your next application. The three causes, and the safe switching order.
- 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.
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