Short answer: Under Va. Code §38.2-2114, an owner-occupied homeowners policy can be non-renewed only with written notice at least 30 days before termination, stating the specific reason. You then have 10 days after receiving the notice to ask the Commissioner of Insurance to review it in writing. In most cases the policy stays in force during the review.
What the notice must include
From §38.2-2114:
- A termination date at least 30 days after the notice is mailed or delivered
- The specific reason
- Your right to request a Commissioner review within 10 days
- Your possible eligibility through the Virginia Property Insurance Association
Reasons that aren't allowed on their own
The SCC Bureau of Insurance homeowners guide says an insurer can't non-renew solely because of:
- Age, sex, residence, race, creed, national origin, marital status or lawful occupation, including military service
- A claim resulting primarily from natural causes
- A question you asked about your coverage
- Claims older than 5 years
During a review
The policy stays in force while the Commissioner reviews it, except when the non-renewal is for nonpayment. Renters policies don't follow these rules.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Virginia.
Frequently asked questions
How much notice is required for a non-renewal in Virginia?
At least 30 days for an owner-occupied homeowners policy.
Can I appeal?
Yes. Ask the Commissioner in writing within 10 days of receiving the notice.
Can a natural-disaster claim alone get me non-renewed?
No, not solely because of a claim resulting primarily from natural causes.
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.