Homeowners insurance non-renewal notice rules by state

Short answer: Minimum notice periods for non-renewing a homeowners policy range from 20 days in Indiana to 120 days in Florida. Many states require 30 days, and others require 45, 60 or 75 days (Kentucky and California). New York and New Jersey use notice windows. For a few states, including Kansas, we couldn't confirm a statutory period, and the table says so. The table covers all 50 states and D.C., with a link to the source for each.

The table

State	Minimum notice	Reason required	Notes	Source	State guide
Alabama	120 days for category/group non-renewals; individual period not confirmed	—	We couldn't confirm a statutory notice period for non-renewing an individual homeowners policy. A 2024 bill that would have set 30 days di	Ala. Admin. Code r. 482-1-136-.05	Guide
Alaska	45 days	—	A personal policy can be non-renewed only on its anniversary, with written notice at least 45 days before it expires.	AS 21.36.240	Guide
Arizona	30 days	Yes	Must give 30 days to fix a property condition; a coverage inquiry is not a claim	A.R.S. §20-1652	Guide
Arkansas	30 days	—	Except for nonpayment, the insurer must send either a non-renewal notice or a renewal offer at least 30 days before the term ends.	Ark. Code §23-88-105	Guide
California	75 days (residential property)	Yes	One-year moratorium after declared wildfires in affected ZIP codes (§675.1)	Cal. Ins. Code §678	Guide
Colorado	60 days	Yes	10 days for nonpayment	C.R.S. §10-4-110.7	Guide
Connecticut	60 days	Yes	60 days' advance notice of non-renewal, by certified mail, certificate of mailing, tracked mail or agreed electronic delivery	Conn. Gen. Stat. §38a-323	Guide
Delaware	30 days	—	Notice at least 30 days before the end of the policy period, sent to your last known address	18 Del. C. ch. 41, subch. III	Guide
Florida	120 days	Yes	120 days' written notice of non-renewal, cancellation or termination for residential property policies, including the reason	Fla. Stat. §627.4133	Guide
Georgia	60 days	Yes	60 days' notice for policies issued or renewed on or after January 1, 2026, raised from 30 days by SB 35	O.C.G.A. §33-24-46	Guide
Hawaii	30 days	—	30 days' written notice before non-renewal	HRS §431:10-226.5	Guide
Idaho	60 days from Jan 1, 2027 (Bulletin 26-12)	Yes	Separately, §41-1841 requires insurers to notify the Director 120 days before non-renewing a whole block of policies.	Idaho Code §41-2401 (as amended by HB 562, 2026)	Guide
Illinois	30 days (60 days for most reasons once in force 5+ years)	Yes, specific facts	Hearing request at least 20 days before expiration	215 ILCS 5/143.17	Guide
Indiana	20 days	Yes	Written notice mailed at least 20 days before the policy period ends	Ind. Code §27-7-12-4	Guide
Iowa	60 days	Yes	60 days' notice for personal lines policies, which include homeowners	Iowa Code §515.129B	Guide
Kansas	Not confirmed in statute	Yes	We couldn't confirm a statutory notice period for personal homeowners non-renewals.	K.S.A. 40-2,122	Guide
Kentucky	75 days	Yes	Written notice at least 75 days before the policy period ends, explaining the specific reasons	KRS 304.20-320	Guide
Louisiana	60 days (since July 1, 2026)	—	Notice at least 60 days before expiration, stating the reason (was 30 days before July 1, 2026; Acts 2025 No. 182)	La. R.S. 22:1335	Guide
Maine	30 days	Yes	Notice must be received at least 30 days before expiration, with explicit reasons	24-A M.R.S. §3051	Guide
Maryland	45 days (policies in force more than 45 days)	Yes	First-class mail with tracking	Md. Ins. §27-602	Guide
Massachusetts	45 days	Yes, specific reasons	Cancellation follows §99 (5 days; 10 for nonpayment)	M.G.L. c.175 §193P	Guide
Michigan	30 days	Yes, each specific reason	Must follow the insurer's filed underwriting rules	MCL 500.2123	Guide
Minnesota	60 days	Yes	Also applies to reductions in coverage; FAIR Plan notice	Minn. Stat. §65A.29	Guide
Mississippi	45 days (policies on/after July 1, 2026)	—	45 days' notice of non-renewal, cancellation or reduced coverage for policies issued or renewed on or after July 1, 2026, under HB 1611 (202	Miss. Code §83-5-28	Guide
Missouri	30 days	Yes	At least 30 days' notice, mailed or delivered to the address on your policy	RSMo §375.004	Guide
Montana	45 days	—	Written notice at least 45 days before cancelling or non-renewing a policy on a private residence	MCA §33-23-401	Guide
Nebraska	60 days	—	60 days' written notice before cancellation or non-renewal of property policies (§44-522(2))	Neb. Rev. Stat. §44-522	Guide
Nevada	30 days	—	Notice at least 30 days before expiration for non-commercial policies	NRS 687B.340	Guide
New Hampshire	45 days	—	The effective date must be at least 45 days after the notice is mailed or delivered, and electronic delivery is allowed	RSA 417-B:4	Guide
New Jersey	30 to 120 days	Yes	Bold statement of the right to complain to DOBI	N.J.A.C. 11:1-20.2	Guide
New Mexico	30 days	—	30 days' written notice before the policy expires	13.8.4.9 NMAC	Guide
New York	45 to 60 days	Yes, specific reason	Non-renewal restricted during the three-year required policy period	N.Y. Ins. Law §3425	Guide
North Carolina	45 days	Yes, precise reason	30 days' notice of higher rates or deductibles; state pools are excluded	G.S. 58-41-20	Guide
North Dakota	45 days	—	45 days' written notice before the policy expires, mailed or delivered to your last known address	N.D.C.C. ch. 26.1-39	Guide
Ohio	30 days (per ODI)	Not stated in the ODI guide	Must explain Ohio FAIR Plan procedures; HB 652 (pending) would raise this to 60 days	ODI Homeowners Insurance Guide	Guide
Oklahoma	60 days	—	Generally 60 days' notice before cancelling or non-renewing a homeowners policy	OAC 365:15 (2026)	Guide
Oregon	30 days	—	Written notice at least 30 days before the policy expires	ORS 746.687	Guide
Pennsylvania	30 days	Yes, legal and factual reason	Limited reasons after 60 days; you can ask the Insurance Department to review it	40 P.S. §1171.5; 31 Pa. Code ch. 59	Guide
Rhode Island	60 days	—	Written notice at least 60 days before expiration	R.I. Gen. Laws §27-29-17.2	Guide
South Carolina	60 days	Yes	Written notice at least 60 days before expiration or the anniversary date, stating the precise reason	S.C. Code §38-75-740	Guide
South Dakota	30 days	—	Notice at least 30 days before the renewal date (SDCL §58-1-15)	SDCL §58-1-15	Guide
Tennessee	30 days	Can be requested	Applies to personal risk insurance	Tenn. Code §56-7-1901	Guide
Texas	60 days	—	60 days' written notice before expiration	Tex. Ins. Code §551.105	Guide
Utah	30 days	—	Notice at least 30 days before the policy expires or the anniversary date	Utah Code §31A-21-303	Guide
Vermont	45 days	—	45 days' advance notice of non-renewal	8 V.S.A. §4713	Guide
Virginia	30 days (owner-occupied)	Yes, specific reason	10 days to request Commissioner review; policy stays in force during the review	Va. Code §38.2-2114	Guide
Washington	60 days	Yes, actual reason	—	RCW 48.18.2901	Guide
Washington, D.C.	30 days	Yes	At least 30 days' written notice before the policy period ends	26-A DCMR §301	Guide
West Virginia	30 days	Yes	Notice at least 30 days before the policy period ends	W. Va. Code §33-17A-4	Guide
Wisconsin	60 days	—	60 days' notice before the policy's stated expiration date	Wis. Stat. §631.36	Guide
Wyoming	45 days	Yes	Written notice at least 45 days before the expiration or anniversary date, stating the precise reason	Wyo. Stat. §26-35-203	Guide

How to use it

Notice periods are minimums for non-renewal. Mid-term cancellation rules are different.
Count from the date the notice is mailed or delivered, depending on the state.
Policies from state FAIR Plans or pools may follow different rules.

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Methodology

Every row comes from one of our state articles, checked against the statute or the state regulator's guidance in October 2026. Where we couldn't confirm a statutory notice period for individual homeowners policies, the row says so instead of guessing. "—" in the reason column means we didn't confirm a statutory requirement to state a reason. This is general information, not legal advice. Check your own notice and policy.

Questions? Contact Alishahi Insurance or call (877) 711-4545.

Frequently asked questions

What's the most common minimum notice period?

30 days is the most common, but many states require 45 or 60 days.

Does the insurer have to give a reason?

In many states, yes. See the reason column.

Which state requires the most notice?

Florida, which requires 120 days for residential property policies under §627.4133.

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.