Short answer: Under Fla. Stat. §627.4133, a Florida homeowners insurer that won't renew your policy must give you written notice at least 120 days before it expires. The notice must include the reason. If you think a notice broke the rules, contact the Florida Department of Financial Services.
The rule
- 120 days' written notice of non-renewal, cancellation or termination for residential property policies, including the reason
- 45 days' notice of the renewal premium
- Some exceptions apply, for example in the first 60 days of a new policy
Source: Fla. Stat. §627.4133.
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 Florida's FAIR Plan or other residual market, if one exists.
- If the notice seems late or vague, file a complaint with the Florida Department of Financial Services.
See also our non-renewal notice rules by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Florida.
Frequently asked questions
How much notice is required for a homeowners non-renewal in Florida?
At least 120 days, under Fla. Stat. §627.4133.
Does the insurer have to give a reason?
The notice must include the reason.
Who regulates insurance in Florida?
The Florida Department of Financial Services.
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.