Availability Guide
What to do after a home insurance nonrenewal notice.
Last updated June 2, 2026. Start early, document the reason, and compare coverage carefully before choosing the next policy.
Confirm what the notice says
A nonrenewal is different from a cancellation or a price increase. Check the effective date, stated reason, appeal or review instructions, and whether the insurer is offering conditional renewal instead.
Move quickly, but do not panic buy
- Ask the insurer or agent for the specific reason in writing.
- Collect your declarations page, inspection notes, roof age details, mitigation documents, and claims history.
- Contact multiple licensed agents or companies.
- Ask your state insurance department about consumer assistance or complaint options if the notice is unclear.
Report the signal separately
RateReceipt tracks nonrenewals separately from premium medians. That keeps price data readable while still showing availability pressure.
Sources
Arizona DIFI includes cancellation and nonrenewal information in its homeowners insurance resources, and Colorado publishes a consumer advisory for homeowners insurance nonrenewal. Review Arizona DIFI homeowners insurance and Colorado DOI nonrenewal advisory.