How does my homeowner insurance renewal work?

Most renewals occur automatically, with the customer being notified prior to the new effective date. This offer includes a declarations page outlining the new policy term, coverages, premium and invoice.

This renewal notice is a perfect reminder to reevaluate your home insurance policy, especially if you made home improvements like adding a home office, installing a new roof, or upgrading your smart home system.

Note: If a renewal offer is not going to be made, the insurer must provide written notice that the policy will not be renewed as of the effective date.