Compliance·50-State Survey
Mid-Term Cancellation of Homeowners Policies: A 50-State and D.C. Notice and Grounds Survey
After an initial underwriting window, almost every state forbids mid-term cancellation except on a short list of enumerated grounds, on short notice: 10 days for nonpayment, and 5 (Massachusetts) to 120 (Florida) for cause. A 50-state and D.C. survey of the cancellation notice clocks, the grounds, the defective-notice remedy, and the post-disaster moratoria.
50-State Survey•June 22, 2026
Compliance·50-State Survey
Assignment of Benefits in Insurance: A 50-State and D.C. Survey of Pre-Loss and Post-Loss Assignment
The dominant American rule: an anti-assignment clause bars pre-loss transfer of the policy but not a post-loss assignment of an accrued claim. A 50-state and D.C. map of the majority rule, the Texas/Louisiana/Ohio minority, Florida's statutory AOB ban (SB 2-A), and the admitted/surplus-lines divide.
50-State Survey•June 21, 2026
Compliance·50-State Survey
Surplus Lines Cancellation and Non-Renewal Notice Requirements: A 50-State and D.C. Survey with Primary-Source Citations
There is no national rule: roughly a third of jurisdictions exempt surplus lines outright (the policy contract governs), a third subject it (often only commercial or only personal lines), and the rest are statutorily silent, turning on whether the cancellation statute's word "insurer" reaches non-admitted carriers. A 50-state and D.C. survey with primary citations.
50-State Survey•June 17, 2026
Compliance·50-State Survey
Homeowners Insurance Non-Renewal Notice Periods: A 50-State and D.C. Survey
There is no national non-renewal notice period: the floor is 30 days, a cluster of states require 45, and a catastrophe-driven wave has pushed Florida to 120 and California and Kentucky to 75. A 50-state survey of the notice clocks, the trigger that starts them, the post-disaster moratoria, and the controlling statutes.
50-State Survey•June 16, 2026
Compliance·Analysis
Sixty Days Instead of Thirty: What Louisiana's Act 182 Means for Policyholders
Effective July 1, 2026, Louisiana insurers must give 60 days' notice (up from 30) before canceling or nonrenewing P&C policies, state the reason, and a late homeowners nonrenewal notice extends coverage at the prior year's rate.
Analysis•June 11, 2026
Florida·Cancellation & Nonrenewal
Florida Insurance Cancellation & Nonrenewal Notice Requirements (2026)
Florida requires up to 120 days' notice to terminate property policies, layers post-claim freezes and emergency moratoriums on top, and keeps coverage in force when a notice is defective. The current requirements, with citations.
State Guide•Verified June 26, 2026
Topics in compliance
Cancellation & Nonrenewal
Advance-notice periods, permissible grounds, post-claim protections, and notice-content requirements for terminating policies, by state and line of business.
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InsuroAI cross-references statutes, admin code, case law, and DOI bulletins, and audits your documents against them, with citations you can verify.