Can my insurance company refuse to renew my homeowner's insurance policy?

Yes. Although state law determines the type of notice that you must be given if your insurance company decides not to renew your homeowner’s insurance policy, insurance companies are private companies that do not have to offer you a renewed homeowner’s insurance policy. Common reasons for non-renewal of homeowner’s insurance policies are excessive claims, a potential for more future claims, or a home in need of repairs.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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