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

Home insuranceBuying a policyTexasChecked Nov 5, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: Texas Department of Insurance · Home insurance guide · Losing your insurance View original ↗

In short

Ask your insurer in writing why it dropped you.
A company must give notice first. Start shopping for new cover now.
If no one will insure you, ask about the Texas FAIR Plan.

What this means

These facts come from the Texas Department of Insurance (TDI), so they are for Texas. Other states have other rules. If you ask, a company must tell you in writing why it turned you down or did not renew your policy [1]. You can complain to TDI if you think it acted improperly [1].

If the company cancels in the middle of the policy term, it must give you 10 days' notice [2]. For a nonrenewal, TDI says the notice is 60 days if you bought or renewed in 2024 [3]. The page does not say what applies to later policies, so check with TDI. If the company cancels, it must refund unearned premium within 15 days [4].

If you cannot find a company, you might get coverage through the Texas FAIR Plan Association. You qualify if you can't find a Texas-licensed company and at least two companies turned you down [5]. TDI says this coverage costs more than coverage from a standard company [6].

Your next step

Find the notice date on your letter and ask the company in writing for its reason. Start getting quotes from other companies right away. The sources give a 10-day notice for cancellation and a 60-day notice for nonrenewal of a policy bought or renewed in 2024.

Check it yourself

Read the cancellation and nonrenewal parts of your own policy and the letter you got. Call TDI to confirm the notice time for your policy date. The notice time for policies bought or renewed after 2024: "Don't know yet". Rules outside Texas: "Don't know yet".

Where this comes from (6)

[1] Texas Department of Insurance · Home insurance guide · Losing your insurance · checked 2026-11-05
If you ask, a company must tell you in writing why it turned you down or didn’t renew your policy. You may complain to us if you think a company improperly denied, canceled, or nonrenewed your policy.
[2] Texas Department of Insurance · Home insurance guide · Losing your insurance, cancellation · checked 2026-11-05
A company must give you 10 days’ notice before it cancels your policy.
[3] Texas Department of Insurance · Home insurance guide · Losing your insurance, nonrenewal · checked 2026-11-05
It must give you 60 days’ notice of a nonrenewal if you bought or renewed your policy in 2024.
[4] Texas Department of Insurance · Home insurance guide · Losing your insurance, refund · checked 2026-11-05
If either you or the company cancels your policy, the company must refund any unearned premium to you within 15 days after the date of the cancellation.
[5] Texas Department of Insurance · Home insurance guide · If you can't find a company · checked 2026-11-05
You can get FAIR Plan coverage if you can’t find a Texas-licensed company to insure you and at least two companies have turned you down.
[6] Texas Department of Insurance · Home insurance guide · If you can't find a company · checked 2026-11-05
FAIR Plan and surplus lines coverage is more expensive than coverage from a standard insurance company.

How we found this

We matched your question to 6 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.

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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