This fact sheet briefly explains your rights concerning an insurance company's refusal to offer you insurance or to continue your coverage.
Special rules apply to worker's compensation, umbrella, and surplus lines policies.
When a policy first becomes effective, the insurer may cancel that policy any time within the first 60 days without providing you with a reason for the cancellation. The cancellation is not effective until at least ten days after the insurance company mails or delivers to you a written notice of cancellation. An insurer may not alter the terms of coverage until 60 days after a notice is mailed to you. To be effective, the notice must be mailed or delivered prior to the renewal date. Guaranteed renewable health insurance policies permit the policyholder to continue coverage for a stated period as long as the premiums are paid.