Your home insurance is changing. Start with your state.
When an insurer won’t renew a home policy, the deadline, the backup options and the rules depend on where the home is. Coverage Clock lays out the path for each state it covers — in the order that costs you least.
Choose your state
Deadlines, programs and protections are set state by state, so everything on Coverage Clock is organised that way. Pick yours to see what applies to you.
- California75 days noticeCalifornia FAIR Plan · DIC policy to fill the gaps
- Florida120 days noticeCitizens Property Insurance Corporation
- Louisiana60 days noticeLouisiana Citizens
- Massachusetts45 days noticeMassachusetts FAIR Plan
- North CarolinaNo statutory notice periodNCJUA · NCIUA Coastal Property Insurance Pool
- Texas60 days noticeTWIA · Texas FAIR Plan
Or start from your situation
- I got a non-renewal noticeYour deadline, your options and the order to work through them.
- I need new coverageWhere to look, in the order that costs least, for each state.
- My home is high-riskWildfire, windstorm and coastal homes: what still writes them.
- I need my state’s insurance programFAIR Plans, Citizens, TWIA and the coastal pools, state by state.
- I want to estimate the costPremium and budgeting calculators, and what they can’t tell you.
- I have a mortgage or a closingWhat your lender must do before buying coverage on your behalf.
Start with these guides
- What to do after a home insurance non-renewal
Your deadline, your options and your state’s last-resort program, step by step.
All states - DIC insurance: filling the FAIR Plan’s gaps
What a Difference in Conditions policy covers, what it costs and which insurers CDI lists as selling one.
CA - California FAIR Plan cost and rates
How the premium is set, the 2026 rate change, discounts and the fees on top.
CA
Calculators
Every calculator runs in your browser — nothing you enter is sent anywhere. They give estimates, never quotes.
- Non-renewal deadline calculator
Enter the date on your notice and get the exact date your coverage lapses, with a countdown checklist.
CAFLLAMATX - North Carolina rate & notice calculator
Approved 2025 and 2026 base-rate changes for your county, which last-resort program applies, and a notice-date check against NCDOI guidance.
NC - California home insurance calculator
A budgeting range for a full homeowners policy by rebuild cost, wildfire exposure, deductible and mitigation.
CA - California FAIR Plan premium calculator
A FAIR Plan premium range by coverage amount and risk tier — plus the DIC wrap the official calculator leaves out.
CA - Texas FAIR Plan (TFPA) premium calculator
A TFPA premium estimate by coverage amount and area cost tier, and whether you also need a TWIA policy for wind and hail.
TX
Same problem, six different rulebooks
The notice an insurer must give before non-renewing a home policy ranges from no statutory period at all in North Carolina to 120 days in Florida. The insurer of last resort is a fire-only FAIR Plan in California, a full Citizens corporation in Florida and Louisiana, and two separate associations split by peril in Texas. That is why advice written for one state can be wrong in the next.
Compare notice periods and programs side by side → · Insurance programs by state →
Who publishes this
Coverage Clock is an independent research site published by Syed Emaz Ali through Prime Dev Force. Every deadline and program detail is cited to the statute, the state regulator or the program’s own published pages. We are not an insurer, a broker or a government body, and we don’t sell insurance.