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?

Send it to the agent

Call and read the letter with a licensed agent.

Talk to a licensed agent (727) 997-5999

Would you rather type? Send it here. You can add your letter too.

Up to 3 files, 10 MB in all. PDF, JPG, PNG or HEIC.

How should we reach you?

Your quote comes from a licensed, independent Florida insurance agent, not from the insurance company. Independent agents work with many companies and are paid by the company you choose, so there's no cost to you and no obligation.

Submitting this form asks one licensed Florida agent to contact you about your request by phone or email. No marketing texts unless you check the box above. Free, no obligation.

Every kind of letter, at a glance

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.

  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

How much notice does my insurance company have to give before it 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).

More Florida insurance guides