Choose your state
Non-renewal deadlines, backup insurance programs and consumer protections are set by each state. Start with yours.
Pick from the list
The six states Coverage Clock covers
Each state page shows your deadline, your insurance options in the order to try them, the calculators that apply, and links to the official regulator and program.
- California75 days noticeCalifornia FAIR Plan · DIC policy to fill the gapsMain risk: Wildfire
- Florida120 days noticeCitizens Property Insurance CorporationMain risk: Hurricane and wind
- Louisiana60 days noticeLouisiana CitizensMain risk: Hurricane and coastal
- Massachusetts45 days noticeMassachusetts FAIR PlanMain risk: Coastal (Cape Cod and the Islands)
- North CarolinaNo statutory notice periodNCJUA · NCIUA Coastal Property Insurance PoolMain risk: Coastal wind
- Texas60 days noticeTWIA · Texas FAIR PlanMain risk: Windstorm and hail
Just got a non-renewal notice?
- 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
Which insurance program exists in my state?
Every state has some form of insurer of last resort, but they are not interchangeable. California’s FAIR Plan covers fire only; Texas splits wind and hail into a separate association; North Carolina runs separate inland and coastal plans.
| State | Non-renewal notice | Insurer of last resort | Main catastrophe risk | Regulator |
|---|---|---|---|---|
| California | 75 days Cal. Ins. Code §678 (as amended by AB 1816, effective July 1, 2020) | California FAIR Plan | Wildfire | California Department of Insurance |
| Florida | 120 days Fla. Stat. §627.4133(2) (residential property) | Citizens Property Insurance | Hurricane and wind | Florida Office of Insurance Regulation |
| Louisiana | 60 days Act 182 of 2025 (HB 345), effective July 1, 2026 — previously 30 days | Louisiana Citizens | Hurricane and coastal | Louisiana Department of Insurance |
| Massachusetts | 45 days M.G.L. c. 175, §193P | Massachusetts FAIR Plan (MPIUA) | Coastal (Cape Cod and the Islands) | Massachusetts Division of Insurance |
| North Carolina | 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 | FAIR Plan (NCJUA) Coastal Pool (NCIUA) | Coastal wind | North Carolina Department of Insurance |
| Texas | 60 days Tex. Ins. Code §551.105 (policies issued or renewed on or after January 1, 2024) | Windstorm (TWIA) Texas FAIR Plan (TFPA) | Windstorm and hail | Texas Department of Insurance |
If your state isn’t here
Coverage Clock adds a state only when its deadline and programs can be documented from primary sources and kept current. For any other state, your insurance regulator is the authoritative starting point: the National Association of Insurance Commissioners keeps a directory of every state insurance department.