Short answer: Under New York Insurance Law §3425, a homeowners insurer generally can't non-renew during the three-year required policy period except for reasons that would allow a cancellation. After that period ends, it must give written notice 45 to 60 days before expiration, stating the specific reason. If it doesn't send proper notice, you're entitled to renew when you pay the billed premium on time.
The rules
- §3425 sets a three-year required policy period during which non-renewal is restricted.
- After that, notice must arrive 45 to 60 days before expiration and give the specific reason.
- If the notice is late or missing, you can renew by paying on time.
New York's Department of Financial Services (DFS) explains these rules on its cancellations and non-renewals page. In an opinion, DFS counsel said a verbal message about a non-renewal doesn't replace the written notice.
Help
If your insurer didn't follow these rules, file a complaint with DFS.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in New York.
Frequently asked questions
How much notice is required for a non-renewal in New York?
45 to 60 days before expiration, with the specific reason.
What is the three-year required policy period?
A period during which a homeowners policy generally can't be non-renewed except for cancellation-type reasons.
What if I never got a notice?
You're entitled to renew by paying the billed premium on time.
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.