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Guide

Utah homeowners insurance non-renewal rules

By Alishahi Insurance, independent broker · CA License #4348151 · Updated October 2026

Short answer: Under Utah Code §31A-21-303, a Utah 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 Utah Insurance Department.

The rule

  • Notice at least 30 days before the policy expires or the anniversary date

Source: Utah Code §31A-21-303.

What to do if you get a notice

  1. Check the dates. Count from when the notice was mailed or delivered.
  2. Ask your insurer or agent for the specific reason and whether a repair or update would change its decision.
  3. Start shopping right away. If regular insurers turn you down, ask about Utah's FAIR Plan or other residual market, if one exists.
  4. If the notice seems late or vague, file a complaint with the Utah Insurance Department.

See also our non-renewal notice rules by state table.

Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Utah.

Frequently asked questions

How much notice is required for a homeowners non-renewal in Utah?

At least 30 days, under Utah Code §31A-21-303.

Does the insurer have to give a reason?

Check your notice and your policy, and ask the insurer in writing.

Who regulates insurance in Utah?

The Utah 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.

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