Shop carefully and handle nonrenewal

Nonrenewal means the insurer will not continue a policy after its term ends. Cancellation generally ends coverage before that date. Notice rules and permitted reasons differ by state, so read the letter carefully. Ask the insurer or agent to explain the reason and whether correcting a problem could change the decision. Contact your state insurance department for information about your rights, available assistance, or a complaint you want reviewed.

Start comparing replacement coverage promptly and track the current policy’s end date. Match limits, deductibles, exclusions, and settlement methods when comparing quotes. Confirm the new coverage’s effective date in writing to avoid a gap. If ordinary coverage is hard to find, ask a licensed agent and your state department about available alternatives, which may include a FAIR Plan or another residual market program. Eligibility, covered risks, and costs vary; these programs may provide narrower protection and require additional policies.

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