Homeowners, particularly those living in high-risk areas, are increasingly contending with insurance non-renewal notices.

Insurers don’t renew policies for a number of reasons, including:

  • Claims history. Filing too many claims over a short period may lead to a non-renewal.
  • Property condition. If a home has fallen into disrepair, an insurance company may choose not to renew your policy.
  • Risk factors. Living in high-risk areas, like wildfire zones, can increase homeowners’ chances of non-renewal. Other risk factors can play a role, too, like owning a specific dog breed.
  • Credit score. If your credit score has dropped, your insurer may not renew your policy.
  • Underwriting guidelines. Insurance companies sometimes change their underwriting guidelines, and if your policy doesn’t fit, it could be dropped.
  • Non-payment. If you haven’t paid your premiums on time, your insurer could opt not to renew your policy.
  • Vacancy. If your home is empty for more than a certain number of days, some insurers might not renew your policy.
The slideshow above highlights ways Consumer Reports says homeowners can deal with a non-renewal notice.

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