What Florida’s 120-Day Non-Renewal Law Actually Says
Florida requires at least 120 days’ notice before a home insurance non-renewal takes effect — the longest window of any state Coverage Clock covers. This page is just the statute — quoted directly and explained in plain language.
The statute, in its own words
“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.”
— Fla. Stat. §627.4133(2)(b)
This is the longest notice window of any state in this comparison — more than double Massachusetts’s 45 days. Some narrower categories of policies have shorter statutory windows (as low as 45 days) under other subsections of §627.4133 — if your notice cites an unusually short window, it’s worth checking which exact category your policy falls under.
What this actually means for you
- Your insurer must give at least 120 days’ written notice before non-renewing a homeowner, mobile home owner, farmowner, or condominium policy.
- The notice must state the specific reason for non-renewal.
- Insurers generally can’t non-renew a hurricane-damaged home for 90 days after repair.
- A Citizens Property Insurance “assumption” or “takeout” offer is a different notice entirely, with a much shorter, roughly 30-day opt-out window — don’t assume every letter you receive is a straightforward non-renewal.
Need the fuller picture?
This page exists to explain the law itself. For the complete order-of-operations guide — what to do first, the insurer-of-last-resort program, and current 2026 market data — see the full Florida guide.