Florida home insurance non-renewal: notice rules and what to do

Florida rule · Notice of non-renewal

Florida's published rule requires written notice of non-renewal at least 120 days before it takes effect, and the notice must include the reason. Shorter periods apply in a few listed situations, such as a plan approved by the Office of Insurance Regulation (45 days) or a policy that covers both a home and a vehicle (90 days).

Fla. Stat. § 627.4133

Florida rule · Insurer reducing business

Florida's published rule allows a shorter 45-day notice only when the Office of Insurance Regulation has approved an insurer's plan for early cancellation or non-renewal. Decisions tied to an insurer reducing its business are usually not based on the individual home.

Fla. Stat. § 627.4133

Florida rule · Specific reasons in the notice

Florida's published rule says each notice of non-renewal or cancellation must include the specific reasons, including any specific underwriting reasons.

Fla. Stat. § 627.4091Fla. Stat. § 627.4133

Florida rule · What the rule says about late notices

Florida's published rule describes what happens when the required notice is not provided: coverage remains in effect until replacement coverage starts or until the required number of days after the notice is given, whichever comes first. Your state regulator can answer questions about how this applies.

Fla. Stat. § 627.4133