My home insurance company cancelled my policy or will not renew it. What are my rights?

Start with the written reason. TDI says that if you ask, a company must tell you in writing why it turned you down or did not renew. You may complain to TDI if you think a company improperly denied, cancelled or nonrenewed your policy [1].

Cancelling is not the same as not renewing. Cancelling ends cover before the policy's end date. A company must give you 10 days' notice first. In the first 60 days it may cancel for two reasons. It learns of a risk you did not tell it about, and that risk was not part of an earlier claim. Or it does not accept a copy of a required inspection report before the policy starts [1].

After that window the list is shorter. A company may cancel if you stop paying. It may cancel if you file a fraudulent claim. It may cancel if keeping the policy would break the law. And it may cancel if a risk in your control goes up in a way that would raise your premium. Money comes back too. The company must refund any unearned premium within 15 days of the cancellation date [1].

If nobody will sell to you, TDI names two fallbacks. One is the Texas FAIR Plan Association, which sells basic home insurance. The other is surplus lines companies. TDI says both cost more than cover from a standard company [1].

Open the TDI home guide and read "Losing your insurance". Then read the cancellation page of your own policy. The rules here are Texas law, and other states differ.