There are certain circumstances which insurers can cancel a homeowners policy. Your insurance plan can be cancelled for the following reasons:
– Material misrepresentation
– Fraud
– Nonpayment of a premium
– Physical changes in the property that render the property uninsurable (Example: Leaving the home vacant for 60 consecutive days increases the exposure and risk of vandalism)
– Conviction of a crime stemming from acts that increased risks of covered acts (Example: Getting convicted for illegal storage of fireworks which increases the risk of a fire hazard)
– Activities or omissions that increase the risk of a hazard (Example: Not getting a gas leak fixed)
– A determination by the Commissioner of Insurance that continuation of the policy places the insurer in violation of the law