Short answer: Under R.I. Gen. Laws §27-29-17.2, a Rhode Island homeowners insurer that won't renew your policy must give you written notice at least 60 days before it expires. If you think a notice broke the rules, contact the Rhode Island Department of Business Regulation.
The rule
- Written notice at least 60 days before expiration
- If notice comes late, coverage continues until 60 days after it's sent
- See also 230-RICR-20-20-1.5
Source: R.I. Gen. Laws §27-29-17.2.
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 Rhode Island's FAIR Plan or other residual market, if one exists.
- If the notice seems late or vague, file a complaint with the Rhode Island Department of Business Regulation.
See also our non-renewal notice rules by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Rhode Island.
Frequently asked questions
How much notice is required for a homeowners non-renewal in Rhode Island?
At least 60 days, under R.I. Gen. Laws §27-29-17.2.
Does the insurer have to give a reason?
Check your notice and your policy, and ask the insurer in writing.
Who regulates insurance in Rhode Island?
The Rhode Island Department of Business 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.