Short answer: Under KRS 304.20-320, a Kentucky homeowners insurer that won't renew your policy must give you written notice at least 75 days before it expires. The notice must include a written explanation of the specific reasons. If you think a notice broke the rules, contact the Kentucky Department of Insurance.
The rule
- Written notice at least 75 days before the policy period ends, explaining the specific reasons
- If notice isn't given, the policy renews when you pay the premium
Source: KRS 304.20-320.
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 Kentucky's FAIR Plan or other residual market, if one exists.
- If the notice seems late or vague, file a complaint with the Kentucky 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 Kentucky.
Frequently asked questions
How much notice is required for a homeowners non-renewal in Kentucky?
At least 75 days, under KRS 304.20-320.
Does the insurer have to give a reason?
The notice must include a written explanation of the specific reasons.
Who regulates insurance in Kentucky?
The Kentucky 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.