Short answer: Under Ind. Code §27-7-12-4, an Indiana homeowners insurer that won't renew your policy must give you written notice at least 20 days before it expires. A written explanation of the specific reasons is available if you ask. If you think a notice broke the rules, contact the Indiana Department of Insurance.
The rule
- Written notice mailed at least 20 days before the policy period ends
- The specific reasons are given on request
- Independent agents must get notice 10 days before you do, unless they waive it
Source: Ind. Code §27-7-12-4.
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 Indiana's FAIR Plan or other residual market, if one exists.
- If the notice seems late or vague, file a complaint with the Indiana Department of Insurance.
See also our non-renewal notice rules by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Indiana.
Frequently asked questions
How much notice is required for a homeowners non-renewal in Indiana?
At least 20 days, under Ind. Code §27-7-12-4.
Does the insurer have to give a reason?
A written explanation of the specific reasons is available if you ask.
Who regulates insurance in Indiana?
The Indiana Department of Insurance.
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.