Cancellation and Non-renewal

Insurance company may cancel the policy by written notice for the following reasons

-non payment of premium (notification must be at least 10 days before cancellation) -for any reason within 60 days of application -if in effect for more than 30 days, the policy may be cancelled on anniversary date with 31 days of written notice

Insured can cancel the policy by

-returning the policy to insurer or rep -notifying the insurer in writing as to when the cancellation is to take effect

non-renewal or conditional renewal

insurer may non-renew with a reduction of limits or elimination of some coverage with 30 day written notice

private residence cancellation

notice must be sent 45 days before effective date of cancellation

commercial

notice on a commercial property must be sent 60 days before the effective date of cancellation or non-renewal