Guides
Start from what happened to you. Each guide is labelled with the state it applies to, and you can show just one state.
Show guides for one state
Guides that apply everywhere stay visible whichever state you choose.
I just got a non-renewal notice
What it means, how long you have, and the first steps.
- What to do after a home insurance non-renewal
The step-by-step guide for every state we cover: your deadline, your options and your state’s last-resort program.
All states - How to dispute a home insurance non-renewal
Check whether the notice was on time and complete, ask the insurer, then complain to your state regulator.
All states - Non-renewed: what to do in the first 14 days
A two-week plan: read the notice, check the dates, shop the market, apply to the insurer of last resort in time.
All states - What “non-renewal” means on a home policy
How it differs from cancellation, why it happens, and what to do first.
All states - Non-renewal deadline calculator
Enter your notice date and state to get the exact date your coverage lapses.
CA · FL · LA · MA · TX - Notice periods in every state we cover, side by side
Non-renewal and cancellation notice rules, with statute citations, plus each last-resort plan.
All states - California: the non-renewal law in plain language
75 days — Cal. Ins. Code §678 (as amended by AB 1816, effective July 1, 2020).
CA - Florida: the non-renewal law in plain language
120 days — Fla. Stat. §627.4133(2) (residential property).
FL - Louisiana: the non-renewal law in plain language
60 days — Act 182 of 2025 (HB 345), effective July 1, 2026 — previously 30 days.
LA - Massachusetts: the non-renewal law in plain language
45 days — M.G.L. c. 175, §193P.
MA - North Carolina: the non-renewal law in plain language
No statutory period — North Carolina's 45-day non-renewal statute (G.S. Chapter 58, Article 41) excludes homeowners policies; NCDOI's consumer guide describes 30 days.
NC - Texas: the non-renewal law in plain language
60 days — Tex. Ins. Code §551.105 (policies issued or renewed on or after January 1, 2024).
TX
Find new coverage
Where to look after a non-renewal, in the order that costs least.
- California: what to do after a non-renewal
California’s notice rules, where California FAIR Plan fits, and what to do first.
CA - Florida: what to do after a non-renewal
Florida’s notice rules, where Citizens Property Insurance Corporation fits, and what to do first.
FL - Louisiana: what to do after a non-renewal
Louisiana’s notice rules, where Louisiana Citizens fits, and what to do first.
LA - Massachusetts: what to do after a non-renewal
Massachusetts’s notice rules, where Massachusetts FAIR Plan fits, and what to do first.
MA - North Carolina: what to do after a non-renewal
North Carolina’s notice rules, where NCJUA fits, and what to do first.
NC - Texas: what to do after a non-renewal
Texas’s notice rules, where TWIA fits, and what to do first.
TX - Getting fire insurance when you’re high-risk or non-renewed
Admitted market, surplus lines, FAIR Plan + DIC, then mitigation requalification.
CA - Your options: California vs. Florida
The same three doors in a different order, side by side.
CA · FL - Comparing insurers and quotes
Admitted vs. surplus lines, what every quote needs, and the checklist that makes two quotes comparable. No rankings.
CA - Finding a California FAIR Plan broker
You can’t buy FAIR Plan coverage without one. How to find and vet a broker.
CA
Your state’s insurance program
Insurers of last resort and coastal pools, explained one state at a time.
- California FAIR Plan: the complete guide
Eligibility, fire-only coverage, cost and how to apply.
CA - What is the California FAIR Plan?
The short explainer.
CA - The California FAIR Plan Association
How the association is organised and who it serves.
CA - Florida Citizens Property Insurance
Pricing, eligibility, the clearinghouse rule and how to apply.
FL - Citizens explained
Who qualifies and what to check at each renewal.
FL - Louisiana Citizens Property Insurance
The FAIR/Coastal Plan split, the diligent-search rule and takeout.
LA - Louisiana Citizens explained
A plain-English overview.
LA - Massachusetts FAIR Plan (MPIUA)
Eligibility, the $1M cap and the excess layer.
MA - Texas windstorm coverage (TWIA)
Eligibility, the dwelling cap and the companion policy.
TX - Texas FAIR Plan (TFPA)
Coverage, cost, the 2-declination rule, and how it pairs with TWIA.
TX - TWIA explained
The declination requirement, limits and funding.
TX - Texas windstorm certificates (WPI-8)
What TWIA requires, what work needs certifying, the exceptions, and how to find a certificate.
TX - North Carolina FAIR Plan (NCJUA)
Who qualifies, the $1M dwelling cap and how to apply.
NC - North Carolina Coastal Pool (NCIUA)
The 18 counties, forms, roof rules and assessments.
NC - NCJUA and NCIUA explained
How the inland and coastal plans differ.
NC
High-risk homes: wildfire, wind and coast
What still insures homes in the riskiest places.
- California wildfire insurance
The one-year moratorium, mitigation discounts and where the FAIR Plan fits.
CA - California fire insurance: cost, coverage and how to get it
Fire-only vs. homeowners coverage and the four markets.
CA - California insurer pledge tracker
Which insurers promised to write more wildfire-zone policies — and what’s verified.
CA - Texas coastal wind and hail (TWIA)
Coverage for wind and hail in 14 coastal counties and part of Harris County.
TX - North Carolina coastal homes (NCIUA)
The Coastal Pool for the 18 coastal counties.
NC
What coverage includes
What a policy actually pays for — and what fire-only coverage leaves out.
- Fire insurance coverage explained
Named vs. open peril, exclusions, and replacement cost vs. actual cash value.
CA - DIC insurance
The policy that fills the FAIR Plan’s gaps: water, theft, liability, loss of use.
CA - What “fire-only” really covers
The FAIR Plan’s named perils and the gaps to plan for.
CA - FAIR Plan + DIC: the short version
Do you need a DIC policy? Usually.
CA - Is fire insurance required in California?
No state law requires it — your lender does.
CA - Fire and extended coverage insurance
The old lease and loan-document term, and what satisfies it today.
CA
Costs and rates
What coverage costs and why quotes vary so much.
- How much is fire insurance in California?
Statewide averages, the FAIR Plan range and the factors that move your number.
CA - California FAIR Plan cost and rates
The 2026 rate change, discounts, and what the supplemental fee really is.
CA - Non-renewal statistics, state by state
National data and each state’s last-resort insurer growth.
All states - All calculators
Deadline, cost and state-program premium tools by state.
All states
Mortgages, closings and paying
When a lender, an escrow or a bill is involved.
- Non-renewed with a mortgage or a closing
Force-placed insurance rules and what Fannie Mae accepts.
All states - California FAIR Plan payment, login and contact
Payment plans, fees, autopay and which portal you need.
CA