What to Do If Your Home Insurance is Non‑Renewed in Connecticut

If you’ve received a notice that your home insurance policy will not be renewed, you’re not alone. Non-renewal can be stressful, but understanding your rights and the next steps can help you secure the protection your home needs. Here’s what Connecticut homeowners should do if faced with a home insurance non-renewal.

Insurance companies may choose not to renew a policy for several reasons, such as:

• Changes in risk factors (e.g., property condition, claims history)
• Company-wide decisions to reduce exposure in certain areas
• Nonpayment of premiums

Connecticut law requires insurers to provide at least 60 days’ advance notice of non-renewal, along with a specific reason for the decision, unless the non-renewal is due to nonpayment of premium. Actual receipt of the notice is not required; delivery to your address as shown in the policy is sufficient under state law.

1. Read the Notice Carefully

• Review the reason for non-renewal.
• Note the effective date when your coverage will end.

2. Contact Your Insurance Company

• Clarify the reason for non-renewal.
• Ask if there are any steps you can take to reverse the decision (e.g., making repairs or updating information).

3. Check Your Rights and Appeal

• Connecticut allows you to appeal a non-renewal if you believe it’s unfair or incorrect.
• Research state regulations or search “insurance broker near me” for guidance on the appeals process.

4. Designate a Third Party for Notices

• You have the right to designate a third party to receive non-renewal notices, which can help prevent missed communications in the future.

If your appeal is unsuccessful or you need to secure new coverage quickly:

• Shop Around: Compare quotes from multiple insurers to find the best rates and coverage.
• Consider State-Sponsored Plans: If private insurers decline coverage, Connecticut may offer state-backed options for high-risk properties.
• Work with an Insurance Broker: An insurance broker can provide expert advice, access to multiple carriers, and help you find a policy that fits your needs and budget.

• Notice Requirements: Insurers must send a written notice at least 60 days before the policy expires, stating the reason for non-renewal.
• No Actual Notice Required: The law does not require you to physically receive the notice—delivery to your address is sufficient.
• Third-Party Notification: You can designate someone else to receive important notices on your behalf.

What if I didn’t receive the non-renewal notice?

Connecticut law only requires the notice to be sent to your address; actual receipt is not necessary for the non-renewal to be valid.

Can I prevent non-renewal?

Sometimes, addressing the insurer’s concerns (such as making repairs) may help. Contact your insurer immediately to discuss your options.

How can an insurance broker help?

An insurance broker near you can:

• Explain your rights and options.
• Help you appeal a non-renewal.
• Shop the market for new policies.
• Guide you through state-backed insurance programs if needed.

• Act quickly to avoid a lapse in coverage.
• Keep all correspondence and documentation related to your non-renewal.
• Use the expertise of a local insurance broker to navigate the process and secure the best possible outcome.

For personalized help, contact Insurance Near Me CT—your trusted partner in protecting your home and peace of mind.