Short answer: In Alabama, when an insurer non-renews a whole category or group of homeowners policies, each policyholder must get at least 120 days' notice (ALDOI Rule 482-1-136). Mid-term cancellations need 20 days' notice, or 10 for nonpayment. We couldn't confirm a statutory notice period for non-renewing an individual policy, so read your policy's conditions section.
The rule
- When an insurer non-renews a whole category or group of policyholders, each affected policyholder must get notice at least 120 days before the policy expires.
- Mid-term cancellation requires 20 days' notice, or 10 days for nonpayment (Ala. Code §27-23-23).
- We couldn't confirm a statutory notice period for non-renewing an individual homeowners policy. A 2024 bill that would have set 30 days did not become law.
Source: Ala. Admin. Code r. 482-1-136-.05.
What to do if you get a notice
- Check the dates. Count from when the notice was mailed or delivered.
- Ask your insurer or agent for the specific reason and whether a repair or update would change its decision.
- Start shopping right away. If regular insurers turn you down, ask about Alabama's FAIR Plan or other residual market, if one exists.
- If the notice seems late or vague, file a complaint with the Alabama Department of Insurance.
See also our non-renewal notice rules by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Alabama.
Frequently asked questions
How much notice is required for a homeowners non-renewal in Alabama?
We couldn't confirm a specific statutory period for individual homeowners policies. Check your policy's conditions section and ask the Alabama Department of Insurance.
Does the insurer have to give a reason?
Check your notice and your policy, and ask the insurer in writing.
Who regulates insurance in Alabama?
The Alabama Department of Insurance.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.