This site provides general information only and is not legal, financial, or insurance advice. Consult licensed professionals for your specific situation.
Your homeowners insurance was non-renewed.
What now?
Straight information for US homeowners in high-risk states — no affiliate links, no quotes, no spin. Florida, California, Louisiana, Texas, and beyond.
The first 72 hours
- Find your coverage end date. It's on the non-renewal letter. That date is your real deadline — not the date the letter was mailed.
- Call your mortgage servicer. A lapse can trigger force-placed insurance — more expensive, worse coverage. Tell them you're actively working on it.
- Start shopping for replacement coverage now. Quotes take time in a stressed market. Don't wait until the deadline is close.
- Check your state's last-resort option. A FAIR Plan or Citizens program, depending on your state. See residual markets →
- Do not let coverage lapse — not even one day. A gap can raise future premiums and breach your mortgage terms.
A fuller, dated walk-through is in your 30-60-90 day decision tree.
I Just Got Non-Renewed
Decision trees and checklists for the first 72 hours. What the letter actually means. What to do before your policy expires.
Is My ZIP Next
State-by-state and ZIP-level risk explainers. Who's already leaving and where the market is heading.
Fortifying vs. Selling
Honest cost-benefit analysis. IBHS FORTIFIED standards, retrofit ROI, and the math on when selling makes more sense.
Residual Markets
FAIR Plans, Citizens, and last-resort options explained state by state — what they cover, what they don't.
This site provides general information only and is not legal, financial, or insurance advice. Consult licensed professionals for your specific situation.