Short answer: Some states limit when a home insurer can drop you because of claims. In the states below, the law restricts non-renewal based on old claims, weather or natural-cause claims, simple coverage questions, or damage that hasn't been repaired yet. The rules differ a lot, so check the row for your state and the statute it links to.
This table covers claim-related limits only. For how much notice an insurer must give before any non-renewal, see our homeowners non-renewal notice rules by state.
The table
| State | Limit on non-renewal | Exceptions / related rules | Source |
|---|---|---|---|
| California | After a total loss, no cancellation while the home is rebuilt except for §676(a)–(e) reasons; the damaged condition can't be the sole basis | After a disaster-related total loss, must offer renewal for at least two annual renewals and no less than 24 months from the loss, with exceptions | Cal. Ins. Code §675.1 |
| Colorado | Can't cancel or fail to renew solely because you asked about coverage, if the inquiry isn't related to an actual claim | — | C.R.S. §10-4-110.8(1) |
| Connecticut | A homeowners policy can't be declined, canceled or non-renewed based solely on losses from one or more catastrophic events (as declared by a recognized catastrophe loss index provider), or based solely on claims filed by a prior owner unless that risk wasn't mitigated | No cancellation, non-renewal or premium increase based solely on inquiries, or on a claim that paid less than $500 or nothing, unless you filed more than one non-catastrophe claim with a payment in the prior 3 policy years | Conn. Gen. Stat. §38a-316d |
| Florida | After a covered hurricane or wind loss under a declared emergency, no cancellation or nonrenewal until 90 days after repair; after other covered damage, until repair or 1 year after the final claim payment, whichever is earlier | Exceptions include nonpayment, fraud or misstatement related to the claim, unreasonable delay in repairs, or policy limits paid; 90 days' notice if nonrenewing damaged property | Fla. Stat. §627.4133 |
| Kentucky | An insurer or agent can't decline or terminate (including non-renew) a covered property or casualty policy based solely on one or more losses that came directly from a natural cause, without anyone's intervention, and that couldn't have been prevented with prudence, diligence and care | Applies to the property and casualty policies covered by KRS 304.20-300 to 304.20-350 (not auto liability policies under KRS 304.20-040 or residual-market policies) | KRS 304.20-340(7) |
| Louisiana | A homeowner's policy in effect and renewed for more than 3 years can't be canceled or non-renewed except for nonpayment, fraud, a material change in risk, two or more claims within a continuous 3-year period in the 5 years before the renewal date, or a threat to the insurer's solvency | Only a demand for payment counts as a claim; reporting a loss or asking a coverage question doesn't. Losses from an "Act of God" (forces of nature without human intervention) don't count toward the two claims. On written request within 6 months, the insurer must give the reasons for a non-renewal | La. R.S. 22:1265(A), (D) |
| Maryland | Can't cancel or nonrenew because of a claim that occurred more than 3 years before the policy or renewal date | Can't cancel or nonrenew based on weather-related claims unless there were three or more in the preceding 3 years (exception if you failed to make repairs the insurer requested in writing) | Md. Ins. Code §27-501 |
| Minnesota | Insurers must have a plan setting the minimum number and amount of claims in an experience period that may lead to non-renewal, and can't non-renew based on loss experience without first sending written notice that future losses may cause non-renewal | An inquiry about a hypothetical claim, or a question to your agent about a potential claim, can't be counted as a claim | Minn. Stat. §65A.29 subd. 11 |
| Oklahoma | An insurer can't cancel, non-renew or raise the premium on a homeowner's policy in effect more than 45 days solely because you filed a first claim | It also can't raise premiums, cancel or non-renew solely because you asked about a possible claim but didn't file one (36 O.S. §1241.2), and homeowners' policies can't carry a surcharge for weather-related claims (OAC 365:15-7-26), as summarized in the Oklahoma Insurance Department's consumer bill of rights handout | 36 O.S. §3639.1 |
| Rhode Island | Residential property insurers can't cancel or non-renew solely because of a policy or claim inquiry, a loss with no payout, or a payout under $500, unless there was more than one paid non-catastrophic claim in 3 years | They also can't drop you solely for a loss from a catastrophic event, or for a prior owner's claims (unless the risk behind them wasn't fixed). If you took the mitigation steps the insurer asked for, it generally can't non-renew you over its catastrophe exposure | 230-RICR-20-05-13, § 13.8(A) |
| Texas | May refuse to renew if you filed three or more claims in any three-year period; a notice may be sent after two claims | Claims from natural causes, and filed claims not paid or payable, don't count. A customer inquiry that doesn't lead to a claim can't be a basis for nonrenewal (§551.113) | Tex. Ins. Code §551.107 |
| Wyoming | A homeowner's policy can't be non-renewed because of a single claim from natural causes within a 3-year period, and can't be canceled mid-term because of any natural-cause claim | "Natural cause" means an act caused only by the violence of nature, with no human agency creating or contributing to the damage | Wyo. Stat. §26-23-107 |
We list only states where we read the official text ourselves in October 2026. A state that is missing is not covered here; check that state's statute or insurance department.
Before you file a small claim
- Ask your broker or the policy, not the claims line, if you only have a question. Texas and Colorado protect coverage questions, but other states may not.
- Weigh the deductible. A claim close to your deductible may cost more later than it pays now.
- Fix what the insurer asks you to fix. Maryland's weather-claim protection can be lost if you ignore written repair requests.
- Dropped anyway? Ask for the reason in writing and compare options. See FAIR Plans by state.
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Methodology
Each row was read from the official source linked in the Source column in October 2026. This is general information, not legal advice. See also the state insurance rules hub.
Frequently asked questions
Can my insurer drop me for one claim?
It depends on the state. In Texas, an insurer may refuse to renew after three or more claims in a three-year period, and natural-cause claims don't count. Maryland bars using claims more than 3 years old.
Can asking my insurer a question count against me?
Texas (§551.113) and Colorado (§10-4-110.8) say an inquiry that doesn't lead to a claim can't be the basis for cancellation or nonrenewal.
Can my insurer cancel while my home is being repaired?
California and Florida restrict cancellation or nonrenewal while damaged homes are repaired or rebuilt, with exceptions listed in the statute.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.