Short answer: Under RSMo §375.004, a Missouri homeowners insurer that won't renew your policy must give you written notice at least 30 days before it expires. The reason must be actual, clear and specific. Vague terms such as "living conditions" aren't allowed. If you think a notice broke the rules, contact the Missouri Department of Commerce and Insurance.
The rule
- At least 30 days' notice, mailed or delivered to the address on your policy
- A clear and specific reason
- The Department's FAQ confirms this rule for homeowners policies
Source: RSMo §375.004.
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 Missouri's FAIR Plan or other residual market, if one exists.
- If the notice seems late or vague, file a complaint with the Missouri Department of Commerce and Insurance.
See also our non-renewal notice rules by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Missouri.
Frequently asked questions
How much notice is required for a homeowners non-renewal in Missouri?
At least 30 days, under RSMo §375.004.
Does the insurer have to give a reason?
The reason must be actual, clear and specific. Vague terms such as "living conditions" aren't allowed.
Who regulates insurance in Missouri?
The Missouri Department of Commerce and 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.