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Home Insurance Quotes After a Nonrenewal or Cancellation in Florida
Published October 25, 2026
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We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
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Covered by Guzman quotes new coverage after a home insurance nonrenewal in Florida or a cancellation notice. We shop your home with the carriers available to us before the old policy ends, including older homes, homes with older roofs and homes that may need Citizens.
Call or text 813-302-7151, or send a request anytime. Most home quotes come back within 24 to 48 hours. The insurance company decides eligibility and price after underwriting.
Send us your nonrenewal or cancellation notice
Send us a photo or copy of the notice as soon as you get it. We start quoting right away, with the goal of having the new policy begin the same day the old one ends, so there is no gap in coverage.
The notice gives us two things we need. The effective date tells us how much time we have, and the reason tells us which carriers to try first. There is no fee to you for a quote, because the insurance company pays our commission.
How much notice Florida requires
Florida law sets minimum notice periods for homeowners policies (s. 627.4133, Florida Statutes):
- Nonrenewal, cancellation or termination: at least 120 days’ written notice, with the reason
- Cancellation for nonpayment: 10 days’ notice
- A policy in effect less than 60 days, canceled for another reason: 20 days’ notice, with the reason
Check the date on your notice. That is the deadline we work toward. With 120 days, there is time to compare quotes and schedule any inspection a carrier asks for.
Common reasons Florida homes get nonrenewed
The reason has to be on the notice. Common ones include:
- Roof age
- Older plumbing or electrical
- Claims on the policy
- An inspection result, such as a 4-point report
- The carrier pulling back from an area
The reason changes where we look. A carrier leaving your area says little about the home itself, so the home may fit well with another carrier. A roof or plumbing reason means the next carrier will likely ask about the same thing, so we look for carriers and policy forms that accept it.
What a new home policy costs after a nonrenewal
In real quotes our agency has run for Florida homes, homeowners policies have ranged from $1,900 to $9,900 a year (about $158 to $825 a month). The annual ranges look like this:
- Roof under 15 years old: $1,900 to $9,300
- Roof 15 years or older: $2,300 to $11,500
- Citizens homeowners policies: $1,400 to $5,800
Each group is a separate set of quotes, so the older roof range goes higher than the overall range. Your real price depends on the roof, the year the home was built, wind mitigation, location, claims and the hurricane deductible you pick. The insurance company sets the final price after underwriting. Our page on Florida homeowners insurance quotes has ranges by county and policy type.
Nonrenewed because of an older roof or older home
Homes or roofs past about 15 to 20 years usually need underwriter approval or an inspection. We still quote them. The oldest home in our homeowners quotes was built in 1860.
Florida law limits how a carrier can use roof age on a homeowners policy. An insurer can’t refuse to write or renew only because the roof is under 15 years old. For a roof 15 years or older, it must allow an inspection first, paid by the homeowner, and if the roof has at least 5 years of useful life left, it can’t refuse only because of roof age (s. 627.7011, Florida Statutes). That rule applies to homeowners policies, not landlord or mobile home policies.
See our pages on homes with an older roof, insurance for older homes and polybutylene and older plumbing. If your nonrenewal is on a mobile home, we quote mobile and manufactured homes too, and the oldest one we have quoted was built in 1935.
If private carriers say no
We write Citizens directly, so Citizens as a backup is part of the same request. A primary home is not eligible for Citizens when a private insurer offers comparable coverage at a premium no more than 20% higher than Citizens (s. 627.351, Florida Statutes). When private carriers decline the home or quote much higher, Citizens may be an option.
Citizens has its own rules. It requires a 4-point inspection on homes more than 20 years old, and shingle roofs over 25 years old, or tile, metal, slate or concrete roofs over 50 years old, must show at least 5 years of remaining life or be replaced (Citizens inspections). Citizens homeowners policies with wind coverage also need flood insurance, and from January 1, 2027, that applies to all remaining policies at new business or renewal (Citizens flood rule).
The flood limit has to be at least the Citizens dwelling limit, or the most the NFIP offers for the home, which is $250,000 in the regular program. An NFIP policy usually has a 30-day wait before it starts (FloodSmart), while private flood waiting periods depend on the carrier. Ask for flood insurance quotes at the same time so the Citizens policy isn’t held up.
If you are replacing an NFIP flood policy with a private flood policy, you could lose a discounted (subsidized) NFIP rate and may pay a higher full-risk rate if you go back to the NFIP later. Before we place a private flood policy, we will ask you to sign a notice that explains this (s. 627.715, Florida Statutes).
If Citizens later moves your policy to a private carrier through a takeout offer, we keep servicing it, so you stay with the same agent.
Switching home insurance when you pay through escrow
If your insurance is paid through escrow and you pick a new policy, we send the new declarations page to your lender and handle the escrow side. You cancel the old policy yourself, and you can ask the old carrier how it will handle any unused premium.
Set the new policy to start on the date the old one ends, or before you cancel it. Our guide, Can I change insurance before my renewal date?, covers switching when you choose to leave early.
Don’t let your coverage lapse
Any day between the old policy ending and the new one starting, the home has no coverage. If you have a mortgage, the lender may buy coverage for the home on its own when your policy ends. That lender-placed coverage usually costs more and protects less than a policy you pick.
Start early, even with 120 days of notice. Inspections, roof questions and underwriting can take time, and a home that needs Citizens may also need a flood policy in place.
Canceled for nonpayment
A cancellation for nonpayment needs only 10 days’ notice, so act the same day you see it. Call the carrier first and ask whether the policy can be reinstated. If it can’t, we quote a new policy with the carriers available to us.
Tell us about the cancellation when you request quotes. Carriers ask about prior cancellations, and an accurate application avoids problems later with the price or a claim.
Nonrenewal after a hurricane or a claim
Florida gives extra time after hurricane damage. If your home was damaged by a hurricane or a wind loss covered by an emergency declaration, the insurer may not cancel or nonrenew the policy until 90 days after repairs are complete (s. 627.4133). Exceptions include nonpayment, fraud or misstatement, the owner unreasonably delaying repairs, and limits already paid.
Other claims can still lead to a nonrenewal, with the usual 120 days’ written notice and the reason stated. Send us the notice and your claims history so we can look for carriers that will consider the home with those claims.
What to have ready for a quote
- The nonrenewal or cancellation notice
- Your current declarations page
- The roof year, or the roof permit
- Any 4-point or wind mitigation reports
- Your claims history
The notice shows the reason and the end date, and the declarations page shows the limits and deductibles you have now, so we can quote the same coverage. The roof year or permit matters because roof age affects both price and eligibility. We review the reports you bring and can recommend an inspector if you ask. We don’t do inspections ourselves.
How getting a quote works
- Send your details. Call, text or use the form with the notice and your declarations page. Tell us the date coverage ends if the notice is hard to read.
- We compare the carriers available to us. That includes private carriers and Citizens when the home qualifies, with the price and hurricane deductible for each.
- You pick, and we set the start date. We line it up with the end of the old policy and send proof to your lender if you have one.
Areas we serve
We quote homes throughout Florida from our office in Zephyrhills, and most of our quotes are in Tampa Bay, across Hillsborough, Pasco, Pinellas and Polk counties. We help in English and Spanish, and we have an Arabic-speaking team member. See our service areas, including Tampa, Brandon, Land O’ Lakes and Lakeland.
Related coverage and guides
How much notice does my insurance company have to give me in Florida?
At least 120 days’ written notice, with the reason, for a homeowners nonrenewal or cancellation. Cancellation for nonpayment needs 10 days’ notice. If the policy has been in effect less than 60 days and is canceled for another reason, the carrier must give 20 days’ notice with the reason (s. 627.4133).
Why was my homeowners insurance not renewed?
The reason should be on your notice, because Florida requires the carrier to state it. Common reasons are roof age, older plumbing or electrical, claims, an inspection result, or the carrier pulling back from an area. Send us the notice and we will look for carriers that fit the home.
Can I get home insurance after a nonrenewal or cancellation?
Yes, you can apply for a new policy. We shop the home with the carriers available to us, and if private carriers decline it, Citizens may be an option. The insurance company decides eligibility after underwriting, so send the notice early.
Will a nonrenewal make my new policy cost more?
It depends on the reason. If the carrier pulled back from your area, the new price depends on the home itself. If the notice was about the roof or claims, those same details shape the new quotes. In our quotes, homes with roofs 15 years or older ran $2,300 to $11,500 a year, against $1,900 to $9,300 for newer roofs.
What if no private company will insure my house?
Citizens may be an option. We write Citizens directly, and in our quotes Citizens homeowners policies have run $1,400 to $5,800 a year. Citizens has its own rules, including a 4-point inspection for homes over 20 years old. See our Citizens quotes page.
How do I switch home insurance if I pay through escrow?
Pick the new policy and we handle the lender. We send the new declarations page to your lender and take care of the escrow side. You cancel the old policy yourself, and you can ask the old carrier about any unused premium. Our guide on changing insurance before renewal has more.
Can my insurance company cancel me after a hurricane claim?
Not right away. If a hurricane or a wind loss covered by an emergency declaration damaged your home, Florida law says the insurer may not cancel or nonrenew until 90 days after repairs are complete. Exceptions include nonpayment, fraud or misstatement, the owner unreasonably delaying repairs, and limits already paid.
About the Author
Raymundo Guzman
I’m Raymundo Guzman, an independent insurance agent and the owner of Covered by Guzman. I help Florida homeowners, landlords and property owners compare home, condo, mobile home and flood insurance, along with the business coverage I write every day, using the carriers available to me rather than selling one company’s product.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
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