What Happens to Your Homeowners Insurance in Texas When Your Carrier Nonrenews You?

A nonrenewal means your carrier has decided not to continue your policy beyond its current term, so you need new coverage before it ends.

Why Carriers Nonrenew Policies

Insurers nonrenew homeowners policies for a range of reasons, including:

• Increased claims activity in your area or on your specific property
• Roof age or condition that no longer meets underwriting guidelines
• Underwriting changes that affect entire ZIP codes or regions

What the Notice Means for Your Coverage

Texas law requires carriers to send written notice before they nonrenew your policy. Policies bought or renewed in 2024 or later get at least 60 days’ notice; those from 2023 or earlier get 30 days. Your coverage stays active through the expiration date but will not continue on its own after that.

If you have a mortgage and do not replace your policy in time, your lender may place its own coverage on the home. This force-placed coverage financially protects the lender, not you, and usually costs more while covering less.

Your Options After a Nonrenewal

The Texas FAIR Plan covers homeowners who cannot find coverage in the standard market. You generally qualify once two Texas insurers actively writing homeowners coverage have declined you and no licensed Texas insurer has made a comparable offer. Surplus lines carriers are another route for higher-risk homes outside the traditional market.

Contact Us Today

Replacing coverage before your policy expires helps you avoid a gap in coverage.

Contact 777 Insurance Agency LLC or head to our instant insurance quote page to explore your homeowners coverage options and find the right policy before your nonrenewal deadline arrives.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.