What Texas’s 60-Day Non-Renewal Law Actually Says
Texas requires at least 60 days’ notice before a home insurance non-renewal takes effect, for policies bought or renewed since 2024 — double the previous rule. This page is just the statute — quoted directly and explained in plain language.
The statute, in its own words
“Unless the insurer has mailed written notice of nonrenewal… to the insured not later than the 60th day before the date on which the insurance policy expires, an insurer must renew an insurance policy, at the request of the insured, on the expiration of the policy.”
— Tex. Ins. Code §551.105
This 60-day requirement is relatively new: HB 1900 raised it from 30 days, for policies delivered, issued, or renewed on or after January 1, 2024 — confirmed via the Texas Department of Insurance’s Commissioner’s Bulletin B-0012-23. If your policy hasn’t renewed since before 2024, you may still be on the older 30-day notice.
What this actually means for you
- Your insurer must mail notice at least 60 days before expiration, or Texas law generally requires them to renew the policy at your request.
- Mid-term cancellation, including for nonpayment, keeps a much shorter 10-day notice regardless (Tex. Ins. Code §§551.053, 551.104).
- Two different insurer-of-last-resort programs apply depending on where you are and what peril was non-renewed: TWIA (wind/hail, 14 coastal counties) and the Texas FAIR Plan Association (other perils, statewide) — they are not interchangeable.
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 Texas guide.