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

Updated September 28, 2026· Sources verified September 26, 2026· Educational information, not legal advice

Short answer

For policies issued or renewed on or after January 1, 2024, a Texas insurer must mail the non-renewal notice at least 60 days before the policy expires (older policies: 30 days). If it doesn't, the rule says it must renew the policy if you ask. For policies issued or renewed from January 1, 2026, the notice must also state the reason.

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Texas notice periods at a glance

Non-renewal notice

60 days

Shorter in some cases

Cancellation notice

10 days

Shorter in some cases

Cancellation for nonpayment

10 days

Texas rule · Notice of non-renewal

Texas's published rule requires the insurer to mail a notice of non-renewal at least 60 days before the policy expires, for policies issued or renewed on or after January 1, 2024 (30 days for older policies).

A notice rarely shows when your current policy term began. If yours gave between 30 and 59 days, check your declarations page for the issue or renewal date.

Tex. Ins. Code ch. 551Acts 2023, 88th Leg., ch. 428 (H.B. 1900)TDI – Homeowners insurance guide

The reason for the non-renewal

Texas rule · The reason and the written statement

For policies issued or renewed on or after January 1, 2026, Texas's published rule says the notice must state the reason, and the written explanation must describe the specific incident, circumstance or risk factor and the source of the information the insurer relied on. For older policies, the written statement is available on request.

Tex. Ins. Code ch. 551Acts 2025, 89th Leg., ch. 940 (H.B. 2067)TDI Bulletin B-0012-25

If the notice was late

Texas rule · What the rule says about late non-renewal notices

Texas's published rule describes what happens when a non-renewal notice is not mailed on time: the insurer must renew the policy if the insured asks. Your Department of Insurance can answer questions about how this applies.

Tex. Ins. Code ch. 551

Ask in writing

If you believe the notice was mailed late, ask the insurer in writing to renew, keep a copy, and contact TDI if it declines.

Limits on the reasons

  • Claims — generally three or more non-weather claims in three years, with a prior warning. Texas claims rule.
  • Questions about coverage that didn't lead to a claim can't be the reason.
  • Roof age — TDI plans to propose a rule. Status.

What to do next

  1. Check the mailing date and your policy's renewal date

    They decide whether 60 or 30 days applies.

  2. Ask for the written reason if it wasn't included

    And for the source of the information the insurer relied on.

  3. Compare insurers on HelpInsure.com

    The state's site shows sample rates and complaint records.

  4. Collect declinations as you shop

    The Texas FAIR Plan requires two. How it works.

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Official sources

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

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