What to do if your Georgia home insurance is not renewed.

First 24 hours

• Save the notice and write down the policy expiration date.
• Ask the insurer or agent for the exact reason in writing.
• Confirm whether a repair, inspection, mitigation step, or document can change the decision.
• Do not cancel the old policy until replacement coverage is bound and effective dates line up.

Georgia issues to watch

In Georgia, pay close attention to wind, hail, roof, disappearing discount, and water endorsement changes. These can affect eligibility, premiums, deductibles, roof settlement, exclusions, or quote availability.

Use the Dropped Policy Help Center for an interactive checklist.

Questions to ask before you shop

• Is this a nonrenewal, conditional renewal, repair requirement, or coverage restriction?
• Which deductible changed: all-perils, wind, hail, hurricane, wildfire, or another separate deductible?
• Did roof settlement change to actual cash value or an age-based schedule?
• Did the dwelling limit, water backup, ordinance or law, loss-of-use, or exclusion language change?
• Can a licensed agent quote equivalent coverage, not just a lower price?

Official Georgia help

Use official consumer resources when the notice is unclear, deadlines are short, or you need complaint information.

Georgia OCI home insurance resources

Share the signal anonymously

If you are comfortable contributing, RateReceipt can count your nonrenewal or restriction without asking for your address, ZIP code, insurer name, policy number, or documents.

Report a nonrenewal or coverage issue or open the Georgia tracker.