Home Insurance Nonrenewal in Texas

Nonrenewal starts a 60-day clock

Nonrenewal is an insurer declining to offer a new term when a Texas home policy reaches its expiration date. Coverage runs to the end of the term already paid for, then stops.

Texas Insurance Code §551.105 requires an insurer to mail written notice of nonrenewal not later than the 60th day before the policy expires. The Texas Department of Insurance guidance on a home policy that was canceled or not renewed adds that a policy bought or renewed in 2023 or earlier carries a 30-day notice instead.

A nonrenewal notice is a deadline, not a verdict. The useful work happens inside the notice period, while the current policy is still in force and the house is still insured.

Nonrenewal and cancellation are not the same event

Nonrenewal ends a Texas home policy at its expiration date, and cancellation ends one in the middle of a term. The difference changes the notice, the paperwork and the time available.

Event	What it means	Where the rule sits
Nonrenewal	No new term offered at expiration	Insurance Code §551.105
Cancellation	The current term ends early	TDI guidance on canceled policies
Declination	An application turned down before any policy	TDI guidance on declined policies
Lapse	Coverage ends because a renewal premium went unpaid	The policy’s own payment terms

A lapse is the one event inside the owner’s control, and the one that follows the file afterward. Keeping the expiring policy paid through its last day matters for the next application.

What the notice has to say

A nonrenewal notice names the policy, the expiration date and the insurer’s intent not to renew. The reason is the part owners have to look for.

The Texas Department of Insurance guidance on a home policy that was canceled or not renewed states that for a policy declined, canceled or nonrenewed after Jan. 1, 2026, the company must give a written statement of the reason.

Two things to do with the notice on the day it arrives:

• Write down the expiration date and count back the days still available
• Ask in writing for the reason, if the notice does not already state one

The stated reason decides which documents the next application needs.

Why a Texas home policy gets nonrenewed

The reason sits with the house, the claim record or the insurer’s own appetite, and only the first two are open to evidence.

The Texas Department of Insurance guidance on a home policy that was canceled or not renewed lists these reasons:

• The house is in worse condition than when the policy was bought, where a company may allow six months for repairs
• Three or more nonweather-related claims in three years
• The house has been vacant for 60 days or more
• The company decided to limit the coverage it sells in that area

An appetite decision is not about one house. A company withdrawing from a county nonrenews policies in good order along with everything else, which is why a nonrenewal notice is not by itself a statement about the property.

The roof, and why it decides the next placement

Roof condition is the first item an underwriter reads on a Texas home application, and a nonrenewed house gets read the same way as any other.

Three documents move a roof question:

• A dated invoice for the last full roof replacement, naming the covering material
• A roofer’s or inspector’s report on the current condition, where the notice cited condition
• The claim record on the address, which follows the house rather than the owner

Home Insurance for Older Homes in Texas covers roof age, wiring and the four-point inspection. Coastal and Windstorm Home Insurance in Texas covers the separate windstorm policy that applies nearer the coast.

What to do inside the notice period

Start the next placement the week the notice arrives, because an expiring policy is easier to replace than an expired one.

1. Confirm the expiration date on the notice and keep the current policy paid through that date.
2. Get the reason in writing, then collect the documents that answer it.
3. Order any inspection or repair the reason points to, and keep the paid invoices.
4. Take the file to an agent while coverage is still in force, with the declarations page and the loss history.
5. Keep the mortgage servicer informed, since a lender places its own policy on an uninsured house.

The Texas Department of Insurance guidance on a home policy that was canceled or not renewed advises having a new policy in place before the current one expires, and TDI accepts complaints about a nonrenewal handled unfairly.

What to have ready before you ask an agent

Bring the notice itself. The reason printed on it is what the next application has to answer.

Have these in front of you:

• The nonrenewal notice, with the expiration date and the stated reason
• The current declarations page, including every endorsement
• The year the roof covering was last replaced, with the invoice
• A loss history for the address, with dates, causes and amounts paid
• Ages of the wiring, plumbing, panel and water heater
• Any inspection report already ordered, and any repair invoices

Aulona Insurance Group places the coverage this question is about: Texas Home Insurance. Luka Cenaj reads the notice and the loss history on a recorded call, and whether a market exists for a particular house is a question for that call rather than for a web page.

Where Aulona Insurance Group is not the right fit

Aulona Insurance Group cannot place every nonrenewed Texas house, and no placement is promised before the file is read.

Outside what the agency places on a nonrenewed house:

• A house carrying heavy loss history, which normally goes to surplus lines, a market the agency cannot reach in-house
• A four-point inspection, a wiring repair or a roof replacement, work the agency neither performs nor arranges
• Preferred inland owner-occupied home coverage in the Dallas and Fort Worth suburbs, a weak market for the agency
• Residential buildings of more than four units, which underwrite as commercial habitational property

An inspection is the owner’s to commission, signed by a licensed electrician, plumber or roofer. Aulona Insurance Group takes that result to the markets where it holds appointments.