What to Do if Your Homeowners Insurance Gets Canceled or Non-Renewed in Texas

​Dropped by your insurance company?

​Learn the most common reasons for cancellations in Texas — and your next best steps to stay covered.

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If you’ve received a non-renewal notice or sudden cancellation from your homeowners insurance company in Texas, you're not alone — and you’re not without options. As extreme weather events and inflation drive up claim payouts across the state, more insurers are reevaluating their risk exposure, leaving many homeowners scrambling for coverage.

In this guide, we’ll break down why your policy may have been canceled, what steps to take next, and how Corin Insurance Group can help you secure reliable coverage that fits your needs.

🛑 Why Was My Homeowners Insurance Canceled?
There are two main types of policy terminations:

Non-Renewal: The insurer chooses not to renew your policy at the end of its term.

Cancellation: The insurer ends your policy mid-term, often with a minimum 10-day notice (Texas Department of Insurance).

Common Reasons for Cancellation or Non-Renewal in Texas:
High-Risk Property Conditions
Roofing issues, outdated electrical systems, or past claims can label your home as high-risk. Texas leads the U.S. in hail-related property damage (Insurance Information Institute), so roof condition is a major underwriting factor.

Too Many Claims Filed
Multiple claims — especially within a short period — can trigger a non-renewal. In Texas, insurers are allowed to base renewal decisions on claim frequency and severity.

Changes in Underwriting Guidelines
Insurers may reduce their footprint in high-risk areas like DFW, Austin, or Houston due to rising natural disaster risks (Houston Chronicle).

Lack of Maintenance or Inspection Failures
Insurers sometimes conduct exterior inspections. If significant issues are noted — like tree limbs overhanging the roof or foundation cracks — you may receive a warning or cancellation notice.

📝 What to Do Immediately After Receiving a Cancellation Notice
Review the Cancellation Letter Carefully
Check for the cancellation reason, effective date, and whether it's a mid-term cancellation or non-renewal. Insurers are legally required to give you this information (Texas Department of Insurance).

Contact Your Insurance Agent or Broker
Your agent may be able to advocate for reinstatement, especially if the issue is repairable (like trimming trees or providing roof certification).

Shop for Coverage Immediately
Do not wait until the cancellation date. A lapse in coverage can be costly and may violate your mortgage agreement. Working with an independent agency gives you access to multiple carriers quickly.

Get a Home Inspection or Roof Certification
If property condition is the reason for non-renewal, investing in minor repairs and obtaining documentation can make you more insurable.

🏡 How Corin Insurance Group Can Help
At Corin Insurance Group, LLC, we understand the urgency and stress that comes with a policy cancellation. Our independent status allows us to compare options from a wide range of carriers, including:

· Safeco – Offers flexible underwriting and bundling discounts
· Travelers – Known for broad coverage and responsive claims handling
· Foremost – Ideal for older homes or high-risk properties
· State Auto – Great for personalized home insurance solutions
· ASI Lloyds – Texas-based and familiar with regional risks
· Nationwide – Offers rebuild cost guarantees and expanded coverage add-ons
· Progressive – Provides fast digital quoting and bundling perks

We tailor your policy to your home’s condition, location, and budget, helping you avoid a lapse in coverage while keeping your escrow and monthly mortgage payments manageable.

🔍 FAQs About Home Insurance Cancellation in Texas
Can my insurer cancel my policy without notice?
No. In Texas, insurers must give at least 10 days’ notice for mid-term cancellations and 30 days for non-renewals.

Will my mortgage lender be notified?
Yes. Most mortgage lenders are listed as an "additional insured" and will be alerted. They may purchase force-placed insurance on your behalf — often at a higher cost and with limited coverage.​


📞 Final Thoughts
Getting dropped by your home insurance company can feel overwhelming, but it’s not the end of the road. Whether it’s due to claims history, property condition, or insurer strategy shifts, you do have options.

At Corin Insurance Group, our experienced agents are here to help you find stable, personalized coverage from reputable carriers — so you can protect your home, your family, and your peace of mind.