| While the exact rules governing the insurance | | | | insurer in violation of the law. |
| practices vary by state, here are a few common | | | | Prior to cancellation, insurer may be required to |
| ones. | | | | provide you with sufficient written notice of |
| Insurance company is permitted cancel a policy for a | | | | cancellation. |
| period of 60 days. After 60 days, the policy can be | | | | Insurance company can refuse to renew home |
| cancelled during the term of the contract for specific | | | | coverage at the end of the term of the contract |
| causes like: | | | | again after giving at least forty-five (45) days in |
| (1) Nonpayment of premium | | | | advance a written notice of nonrenewal with a |
| (2) Conviction of a crime which increases hazard | | | | statement of the reasons for nonrenewal. |
| under the policy | | | | In case your policy is cancelled and you can not get |
| (3) Fraud or misrepresentation by the insured in | | | | insurance from any other company, your state may |
| obtaining the policy | | | | have a fall back option. Fir example in Massachusetts, |
| (4) Willful or reckless acts or omissions by the insured | | | | The Massachusetts Property Underwriting Association |
| increasing the hazard of damage | | | | ("The FAIR Plan") is a statutorily created program. |
| (5) Physical changes in the property making property | | | | Other states also have similar programs and known |
| uninsurable | | | | as the insurer of the last resort. You can obtain more |
| (6) Determination by the commissioner that | | | | information about your state's plan by calling your |
| continuation of the policy would violate or place the | | | | state insurance commissioner. |