Your insurer can cancel your homeowner policy, but they must:

  • Send written notice 45 days before canceling or not renewing your policy.
  • Send written notice 10 days in advance if you didn't pay your premiums on time.
  • Clearly explain why they canceled or didn't renew your policy.

Where to find other policies to cover your home

Ask your agent to help you find other coverage. If they can't find other coverage, they can get you a quote through the Washington FAIR (Fair Access to Insurance Requirements) Plan. It provides basic property insurance up to $1.5 million if you can't get coverage.

If you have a home loan and can't find homeowner coverage

Home loans usually require you to have home insurance. If you don't have it, your lender can buy coverage to protect their investment in your house. This is usually expensive and it adds the cost to your mortgage payments. Also, this coverage only protects your lender, not you.

Related topics

Learn how home insurance works

Before buying a homeowner insurance policy, make sure you understand what your policy does and doesn't cover.

Filing a homeowner insurance claim

You hope to never have to use insurance, but if you need to file a homeowner claim, it's good to understand your rights, responsibilities and what to expect.