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California · 6 guides · sources verified September 28, 2026

Dropped by your home insurer in California? Start here.

Many California non-renewals are tied to wildfire risk. California's rules give you several ways to get answers: 75 days' notice, the right to request the specific information behind a decision, and a wildfire risk score you can appeal.

After declared wildfires, one-year moratoria can protect homes in affected ZIP codes. If regular insurers won't cover your home, the FAIR Plan is the last-resort option.

Check My Notice Free Full California rules reference

Common questions in California

Each answer uses California's official rules and links to the source.

Key rules at a glance

Non-renewal notice

75 days

+5 if mailed

Cancellation notice

20 days

+5 if mailed

Shorter in some cases

Cancellation for nonpayment

10 days

+5 if mailed

Requesting the information behind the decision

California's published rule gives a way to ask for more detail: a written request made within 90 business days of the notice asks the insurer to provide, within 21 business days, the specific information that supports its reasons and where that information came from.

Cal. Ins. Code § 791.10

What a non-renewal notice must include

California's published rule says a non-renewal notice must state the specific reason or reasons, give the insurer's phone number for consumer questions, explain that you may have the matter reviewed by the California Department of Insurance, and include information about the California Home Insurance Finder and the FAIR Plan.

Cal. Ins. Code § 678

Pending claims

California's published rule says an insurer may not refuse to renew solely because a claim is pending under the policy (earthquake claims are treated differently).

Cal. Ins. Code § 675

Protections after a total loss

After a total loss of the home, California's published rule limits cancellation while the home is being rebuilt, and — for total losses caused by a declared disaster — requires the insurer to offer renewal for at least the next two annual renewal periods (no less than 24 months from the loss), subject to listed exceptions.

Cal. Ins. Code § 675.1

3 temporary protections are active as of September 28, 2026. Check your ZIP code

Where to get help in California

California Department of Insurance

Consumer hotline and online help to ask a question or submit a request for assistance. California law requires non-renewal and cancellation notices to tell you that you may have the matter reviewed by the Department.

Get help or file a complaint 1-800-927-4357
California FAIR Plan

Described in state law as the insurer of last resort providing basic property insurance when coverage is not available in the voluntary market. FAIR Plan policies may not cover liability, theft or water damage; a separate Difference in Conditions (DIC) policy can add coverage.

MyNonRenewal does not assess eligibility. The FAIR Plan and a licensed agent or broker can explain requirements.

Also useful

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California sources

Rules can change. Check the official source before relying on it.

MyNonRenewal provides educational information and document summaries. It does not provide legal advice, insurance advice, representation, or recommendations regarding specific insurance products.