Short answer: Under ORS 746.687, an Oregon homeowners insurer that won't renew your policy must give you written notice at least 30 days before it expires. If you think a notice broke the rules, contact the Oregon Division of Financial Regulation.
The rule
- Written notice at least 30 days before the policy expires
- Cancellation requires 10 days' notice for nonpayment or fraud, and 30 days for other permitted reasons
- See the state's Homeowners Bill of Rights
Source: ORS 746.687.
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 Oregon's FAIR Plan or other residual market, if one exists.
- If the notice seems late or vague, file a complaint with the Oregon Division of Financial Regulation.
See also our non-renewal notice rules by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Oregon.
Frequently asked questions
How much notice is required for a homeowners non-renewal in Oregon?
At least 30 days, under ORS 746.687.
Does the insurer have to give a reason?
Check your notice and your policy, and ask the insurer in writing.
Who regulates insurance in Oregon?
The Oregon Division of Financial Regulation.
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.