Short answer: Under N.J.A.C. 11:1-20.2, a New Jersey homeowners non-renewal notice is valid only if it's mailed or delivered no more than 120 days and no less than 30 days before the policy expires. It must state the reason, be sent by certified mail or with proof of mailing, and tell you in bold type that you can complain to the Department of Banking and Insurance (DOBI).
Notice rules
From N.J.A.C. 11:1-20.2:
- Sent 30 to 120 days before expiration
- Sent by certified mail, or by regular mail with date-stamped proof of mailing
- Includes a bold statement about your right to complain to DOBI
Tips from DOBI
DOBI's non-renewal tips:
- Ask the agent or insurer whether making improvements could save your policy.
- Get quotes from several licensed agents.
- If you can't resolve it, call DOBI at 609-292-7272.
Complaints
Submit complaints in writing through DOBI's consumer page and include a copy of the non-renewal notice.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in New Jersey.
Frequently asked questions
How much notice is required for a non-renewal in New Jersey?
At least 30 days and no more than 120 days before expiration.
What must the notice say?
The reason, plus a bold statement about your right to complain to DOBI.
What's the DOBI phone number?
609-292-7272.
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.