Got a letter from your insurance company?

Answer three quick questions. You'll see your deadline, what the law says, and what to do next.

1 What does the letter say?

What reason does it give?
What reason does it give?

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Key findings

  1. Your company has to send your renewal price at least 45 days before your policy renews. That is your time to shop.
  2. To drop you, most of the time they must give you at least 120 days notice. The notice has to say why.
  3. For a missed payment, the notice can be as short as 10 days . Call your company's billing line today.
  4. If you file a concern with the state, the company has 14 days to answer. The Florida Department of Financial Services takes it.

Every kind of letter, at a glance

The rule and the next steps for each one

My renewal price went up

Your company has to send you the renewal price at least 45 days before your policy renews. Source: Florida Statutes, s. 627.4133(2)(a), checked Oct 15, 2026.

Getting ready to shop? Use the Florida home insurance renewal checklist.

Is your new price high? See the average cost of homeowners insurance in Florida.

  1. Find your renewal notice. Then find your current declarations page.
  2. Call before your renewal date. An independent agent checks 80+ companies.
  3. Keep your policy until a new one starts. Never let it lapse.

They won't renew my policy

To drop you at renewal or cancel your policy, your company has to give you written notice at least 120 days ahead in most cases. The notice has to say why. Source: Florida Statutes, s. 627.4133(2)(b), checked Oct 15, 2026.

  1. Read the reason in your letter.
  2. Start shopping now, not the week before.
  3. Keep paying your policy until a new one starts.

Citizens says a new company will take my policy

Your deadline is the date printed on your Offer Form. There is no single date for everyone. Source: Citizens, Personal Lines Depopulation Program, checked Oct 9, 2026.

More on this letter: Citizens depopulation, what to do.

  1. Find the deadline on your Offer Form.
  2. Before you decide, compare the new offer to Citizens.
  3. Call and we'll compare it with you. If Citizens is still your best option, we'll tell you.

They're canceling my policy

If your company cancels for a missed payment, the notice can be as short as 10 days. It still has to say why. Source: Florida Statutes, s. 627.4133(2)(b)1., checked Oct 15, 2026.

To drop you at renewal or cancel your policy, your company has to give you written notice at least 120 days ahead in most cases. The notice has to say why. Source: Florida Statutes, s. 627.4133(2)(b), checked Oct 15, 2026.

  1. Missed payment? Call your company's billing line today.
  2. Another reason? Your letter has to say why. Read it closely.
  3. Need a new policy? Call now so there's no gap.

I'm not sure

Call and we'll read it with you.

  1. Find the letter and your declarations page.
  2. Look for a date near the top or in bold.
  3. Call and we'll read it with you.

Common questions

Short answers, each with its source

How much notice does my insurance company have to give before they won't renew my home policy?

In most cases, at least 120 days in writing. The notice has to say why. Some cases are shorter, like a Citizens policy taken out by another company. Source: Florida Statutes, s. 627.4133(2)(b).

How much notice before my policy is canceled for a missed payment?

The notice can be as short as 10 days. It still has to say why. Call your company's billing line right away. Source: Florida Statutes, s. 627.4133(2)(b)1..

How early does my home insurance company have to send my renewal price?

At least 45 days before your policy renews. That gives you time to shop. Source: Florida Statutes, s. 627.4133(2)(a).

How do I file a complaint against an insurance company in Florida?

First, tell the company and give them a chance to fix it. If that does not work, file a concern online with the Florida Department of Financial Services. Have the company's exact name, your policy number, your claim number and your declarations page ready. The company has 14 days to answer the state. Source: Florida Department of Financial Services, Get Insurance Help.

What can the state do about my insurance complaint?

The state asks the company to explain what they did and checks that they followed Florida law. It cannot give legal advice or set what a claim is worth. It cannot make a company pay if no law or policy term was broken. Source: Florida Department of Financial Services, Get Insurance Help.

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