Sourced data on non-renewal rules and insurer-of-last-resort programs, six states
Coverage Clock tracks home-insurance non-renewal notice periods and insurer-of-last-resort programs (FAIR Plan, Citizens, TWIA, MPIUA, NCJUA, NCIUA) across California, Florida, Louisiana, Massachusetts, North Carolina, and Texas. Every figure on this page is attributed to the statute, regulator, or named source behind it — free to quote or republish with credit to Coverage Clock.
Last updated: October 2026Quick reference: notice periods by state
The minimum notice an insurer must give before non-renewing a homeowners policy, by state, with the governing statute.
| State | Notice period | Statute |
|---|---|---|
| California | 75 days | Cal. Ins. Code §678 (as amended by AB 1816, eff. July 1, 2020) |
| Florida | 120 days | Fla. Stat. §627.4133 |
| Louisiana | 60 days | La. R.S. 22:1598 (Act 182 of 2025, eff. July 1, 2026 — up from 30 days) |
| Massachusetts | 45 days | M.G.L. c.175 §193P |
| Texas | 60 days | Tex. Ins. Code §551.105 (HB 1900, policies issued/renewed on/after Jan. 1, 2024 — up from 30 days) |
| North Carolina | 30 days (guidance) | NCDOI Consumer's Guide to Homeowner's Insurance (rev. Oct. 2010) — guidance, not a statute. The 45-day rule in N.C. Gen. Stat. §58-41-20 does not apply to homeowners policies (§58-41-10(a)). |
Texas runs two separate insurer-of-last-resort programs, not one: TWIA (wind/hail, designated coastal counties) and the Texas FAIR Plan Association (other perils, statewide) — easy to conflate. North Carolina runs two as well: the NCJUA (FAIR Plan, dwelling forms) and the NCIUA (the Beach Plan, coastal counties). The full breakdown is on the state comparison page.
Citable figures
Separately, cross-referencing NAIC's August 2026 national non-renewal data call against each state's own residual-market numbers: Florida's Citizens is down roughly 80% from its 2023 peak, while Texas's FAIR Plan (TFPA) is up 71% in the same window — two states often grouped together in "hard market" coverage that are currently moving in opposite directions. Full breakdown, with regional rate-change figures (up 96–216% from 2018–2024 depending on region), on the non-renewal statistics page.
What's here to pull from
- California Insurer Pledge TrackerLive tracker on the gap between what California insurers have pledged under the Sustainable Insurance Strategy and what's been independently verified — updated as new figures come out.
- 2026 Non-Renewal Statistics, State by StateNAIC's August 2026 national data call cross-referenced against each state's residual-market program numbers.
- Compare Notice Periods by StateThe six-state comparison table above, with the full statute text and plain-language explanation for each state.
- North Carolina Rate & Notice CalculatorApproved 2025 and 2026 homeowners base-rate changes for all 29 NCDOI rate territories, from NCDOI's settlement table, plus a notice-date check against NCDOI's 30-day guidance.
- FAIR Plan & TFPA Premium CalculatorsBuilt from publicly available rate filings and carrier-published premium data for California and Texas; each calculator states its anchor figures and their source on-page.
How this is sourced
Every notice-period and program claim on Coverage Clock cites the specific statute, regulator, or official data source behind it. Pages are revisited when notice-period laws or program terms change, and each page carries a visible "last updated" date. Coverage Clock is legal/regulatory research, not personalized insurance, legal, or financial advice — every page says so, and points readers to their state's Department of Insurance or a licensed broker for their specific situation.
If you're working against a deadline and a figure here doesn't match what you're seeing elsewhere, or you want the primary source behind a specific number, email me directly and I'll point you to it or flag the discrepancy.
Get in touch
I'm a sole publisher, not a newsroom, so every message reaches me directly — corrections, sourcing questions, interview requests, or background on how these programs compare across states.