Receiving a notice that your homeowners insurance policy won’t be renewed can be stressful—but it doesn’t mean you’re out of options. With the right steps, you can secure new coverage and keep your home protected.
Here’s what to do if your policy is non-renewed:
1. Understand the Reason
Start by reviewing the non-renewal notice. Insurers are legally required to provide a reason. Common causes include:
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Claims History – Multiple or costly claims can raise red flags.
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Property Condition – Issues like an aging roof or outdated systems may trigger non-renewal.
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Geographic Risk – Homes in wildfire, storm, or coastal zones may be considered too risky.
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Company Strategy – Sometimes, insurers shift their underwriting focus.
Understanding the “why” puts you in a stronger position to respond.
2. Contact Your Current Insurer
If anything is unclear—or if you believe the decision is based on outdated or incorrect information—reach out to your carrier. Some situations can be resolved with documentation, maintenance, or repairs.
3. Work with an Independent Insurance Agent
An independent agent can help you explore your options. Unlike captive agents who represent just one insurer, independent agents have access to multiple carriers and understand how to navigate high-risk or coastal property challenges.
Look for an agent who:
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Represents a wide range of insurance companies
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Has experience with complex or coastal properties
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Knows how to work with underwriters to secure coverage
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Will guide you through the process, step by step
At Lathrop Insurance, we’ve helped many clients find better coverage after non-renewals—and we’re ready to do the same for you.
4. Compare Your Options Carefully
Don’t just look at the price. When reviewing new policies, consider:
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Coverage Limits – Ensure the policy fully protects your home and belongings.
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Deductibles & Exclusions – Know what is and isn’t covered.
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Carrier Requirements – Some policies may require updates like a roof inspection or home repairs.
The cheapest policy isn’t always the best—focus on quality, comprehensive coverage.
5. Consider Bundling for Savings
Bundling your homeowners insurance with auto, umbrella, or other policies can lead to discounts, streamlined billing, and better service. Ask your agent if bundling makes sense for your situation.
6. Make Your Home More Insurable
Improving your property’s condition can open up more insurance options and lower your premiums:
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Complete Maintenance – Address issues with your roof, plumbing, or electrical systems.
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Add Safety Features – Smoke detectors, water shut-off valves, security systems, and fire extinguishers can help.
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Prepare for Weather – Storm shutters, sump pumps, or drainage improvements reduce risk in high-exposure areas.
7. Stay Proactive
Once your new policy is in place, review it annually—especially after renovations or upgrades. Keeping your agent informed ensures your coverage remains accurate and up to date.
If you’re ready to get started or have questions, don’t hesitate to give us a call at 401-596-2525 or visit www.lathropinsurance.com for more information. Let us help you protect what matters most.
