Can Your Homeowners Insurance Be Canceled? 
An insurance company can , with cause , cancel your Homeowners Insurance . Companies file not only rates but underwriting rules and standards with each state 's Insurance Department and these must be approved by that department in order to be applied within that state . If as a result of loss history or poor property maintenance to use two examples , a home that has been insured falls outside of those guidelines , then the company may non renew . Such action MUST be communicated to the insured long in advance of the action in order to give that person time to either resolve any issues or find another carrier . Vacancy can cause an insurance company to cancel a policy mid term , but again this must be communicated . 