How to fight a home insurance non-renewal notice

Insurers don’t renew policies for a number of reasons, including:

• Claims history. Filing too many claims over a short period may lead to a non-renewal.
• Property condition. If a home has fallen into disrepair, an insurance company may choose not to renew your policy.
• Risk factors. Living in high-risk areas, like wildfire zones, can increase homeowners’ chances of non-renewal. Other risk factors can play a role, too, like owning a specific dog breed.
• Credit score. If your credit score has dropped, your insurer may not renew your policy.
• Underwriting guidelines. Insurance companies sometimes change their underwriting guidelines, and if your policy doesn’t fit, it could be dropped.
• Non-payment. If you haven’t paid your premiums on time, your insurer could opt not to renew your policy.
• Vacancy. If your home is empty for more than a certain number of days, some insurers might not renew your policy.

See also:

• Misreporting of roof ages creates rising risks for insurers
• State Farm won't drop coverage of LA County wildfire victims
• Younger homeowners more likely to have insurance dropped