Short answer: Under Act 205 (40 P.S. §1171.5), once a Pennsylvania homeowners policy has been in force 60 days, the insurer can cancel or non-renew it only for specific reasons. These include material misrepresentation, a substantial increase in hazard and nonpayment. The notice must come at least 30 days in advance and state the specific reason, and you can ask the Insurance Department to review it.
Permitted reasons
The Insurance Department's 2024 notice to insurers says the notice must state both the legal and the factual reason. The department adds that mere suspicion of a change doesn't count, and that any increase in risk must be substantial.
What the notice must include
From 31 Pa. Code ch. 59:
- An effective date at least 30 days after the notice
- Clear, complete reasons
- Your right to ask the Insurance Department to review it
- Your possible eligibility for the Pennsylvania FAIR Plan
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Pennsylvania.
Frequently asked questions
How much notice is required for a non-renewal in Pennsylvania?
At least 30 days.
Can my insurer non-renew me for any reason?
Not after 60 days. Act 205 limits the reasons, for example to a substantial increase in hazard.
How do I appeal?
Ask the Insurance Department to review it; your notice says how and by when.
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.