What to do if your Washington 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.

Washington issues to watch

In Washington, pay close attention to wildfire, water, rebuilding cost, and deductible 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 Washington help

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

NAIC state insurance department directory

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 Washington tracker.