Short answer: Under 215 ILCS 5/143.17, an Illinois insurer must mail at least 30 days' notice before non-renewing a homeowners policy, with a specific reason. According to the Illinois Department of Insurance, if your policy has been in force 5 years or more, the insurer needs 60 days' notice for most reasons. You can ask the Director of Insurance for a hearing; do it well before the policy expires.
Notice rules
- 215 ILCS 5/143.17 requires at least 30 days' notice, mailed with proof of mailing. Copies go to your agent and your mortgage lender.
- According to IDOI, for policies in force 5 years or more, 30 days' notice is allowed only for misleading information on the application or a significant change in risk. Every other reason requires 60 days.
- The notice must give the specific facts. Just saying "fraud" isn't enough.
Appeal
Send a written hearing request to the Department well before the policy expires. If you can't find other coverage, the Illinois FAIR Plan may be an option.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Illinois.
Frequently asked questions
How much notice is required for a non-renewal in Illinois?
At least 30 days, or 60 days for most reasons once a policy has been in force 5 years or more.
Can I request a hearing?
Yes. Send a written request to the Department of Insurance well before the policy expires.
Is 'fraud' a good enough reason by itself?
No. The notice must give the facts behind the reason.
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.