Short answer: Arizona homeowners insurers must give at least 30 days' notice before a non-renewal. If the non-renewal is based on the condition of your property, the insurer must give you 30 days to fix it, and it must renew if you do. Arizona law also says a simple question about your coverage is not a claim and can't be used to non-renew you.
Cancellation vs. non-renewal
According to Arizona DIFI:
- Cancellation happens during the policy term, is allowed only for specific reasons such as nonpayment or fraud, and requires 5 days' notice.
- Non-renewal is far more common and requires at least 30 days' notice before the term ends.
Curable conditions
Under A.R.S. §20-1652(B), if a non-renewal is based on the condition of the premises (for example, brush within 10 feet of the home), you get 30 days to fix it. If you fix it, the policy must renew. If you haven't finished but you've paid the renewal premium, you get another 30 days.
Inquiries are not claims
Under §20-1652(F), asking whether a loss would be covered is not a claim and can't be used to decline, non-renew or cancel your policy. DIFI suggests saying clearly that you're making an "inquiry."
Wrong information
If a notice cites the wrong square footage or roof type, ask the insurer for the data it used and send the correct data. DIFI Consumer Services can be reached at 602-364-2499.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Arizona.
Frequently asked questions
How much notice is required for a non-renewal in Arizona?
At least 30 days before the policy term ends.
Can I fix the problem and keep my policy?
If the non-renewal is based on the condition of your property, yes. You get 30 days, and the insurer must renew if you fix it.
Does calling my insurer with a question count as a claim?
No. Arizona law says an inquiry is not a claim.
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.