What should I do if my Florida home insurance company drops me?

Home insuranceBuying a policyFloridaChecked Nov 6, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Florida Legislature · 2026 Florida Statutes, s. 627.4133 · § 627.4133(2)(a)-(b) View original ↗

In short

In Florida, your home insurer must warn you 120 days before it drops you.
If you did not pay, the warning can be just 10 days.
Start shopping as soon as the notice comes.

What this means

Florida gives home owners a long warning. The insurer must send written notice at least 120 days before it non-renews, cancels, or ends your policy. The notice must give the reason [1]. If it cancels because you did not pay, it must give at least 10 days' written notice, with the reason [1]. It must also tell you your renewal price at least 45 days ahead [1].

After a hurricane or wind loss in a declared emergency, an insurer may not cancel or non-renew for 90 days after the home is fixed [2]. Other rules apply in some cases.

Use the time to shop. Ask an agent to compare companies. Can you get Citizens Property Insurance Corporation, Florida's state-created insurer? That is "Don't know yet" here; ask an agent or Citizens.

Your next step

Write down the effective date on the notice and count back. Start getting quotes from other companies right away.

Deadline: at least 120 days' notice (10 days for nonpayment).

Check it yourself

Read your notice for the reason and the effective date. Read Fla. Stat. 627.4133 at the link above for exceptions. Rules for other states: "Don't know yet".

Where this comes from (2)

[1] Florida Legislature · 2026 Florida Statutes, s. 627.4133 · § 627.4133(2)(a)-(b) · checked 2026-11-06
(a) The insurer shall give the first-named insured at least 45 days' advance written notice of the renewal premium. (b) The insurer shall give the first-named insured written notice of nonrenewal, cancellation, or termination at least 120 days before the effective date of the nonrenewal, cancellation, or termination. The notice must include the reason for the nonrenewal, cancellation, or termination, except that: 1. …
[2] Florida Legislature · 2026 Florida Statutes, s. 627.4133 · § 627.4133(2)(e)1.a. · checked 2026-11-06
An authorized insurer may not cancel or nonrenew a personal residential or commercial residential property insurance policy covering a dwelling or residential property located in this state: a. For a period of 90 days after the dwelling or residential property has been repaired, if such property has been damaged as a result of a hurricane or wind loss that is the subject of the declaration of emergency pursuant to s.…

How we found this

We matched your question to 2 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.

What we don’t know yet

Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.

Every answer is checked against the official rule it quotes.

Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

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