Short answer: Under N.D.C.C. ch. 26.1-39, a North Dakota homeowners insurer that won't renew your policy must give you written notice at least 45 days before it expires. If you think a notice broke the rules, contact the North Dakota Insurance Department.
The rule
- 45 days' written notice before the policy expires, mailed or delivered to your last known address
- Applies to homes with up to four units where one is your principal residence
Source: N.D.C.C. ch. 26.1-39.
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 North Dakota's FAIR Plan or other residual market, if one exists.
- If the notice seems late or vague, file a complaint with the North Dakota Insurance Department.
See also our non-renewal notice rules by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in North Dakota.
Frequently asked questions
How much notice is required for a homeowners non-renewal in North Dakota?
At least 45 days, under N.D.C.C. ch. 26.1-39.
Does the insurer have to give a reason?
Check your notice and your policy, and ask the insurer in writing.
Who regulates insurance in North Dakota?
The North Dakota Insurance Department.
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.