1. 14231 POINTS
    Tom SheehanPRO
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    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.
    Answered on September 9, 2014
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®PRO
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A homeowner’s policy can always be cancelled for non-payment of premium. In addition to the representations made to the agent, the underwriter also can order an on-site inspection. If the property isn’t as described the policy can be cancelled. Some specific issues might be the presence of an aggressive dog, or poor maintenance of the home or grounds. Mortgage companies also report to insurance companies when a residence is vacant. The insurance company is likely to cancel the homeowner’s policy.
    Answered on September 9, 2014
  3. 1185 POINTS
    Scott W JohnsonPRO
    Manager, Marindependent Insurance Services LLC, California
    Yes your homeowners insurance can be cancelled.

    It can be cancelled by you, by writing them a letter and requesting it. You will need to provide your name, policy number, address and sign the letter with a requested effective date.

    It can also be cancelled by the insurance company, generally in writing and subject to State laws. There is generally a minimum amount of time that they must inform you of this. Generally home insurance is cancelled for non payment.
    Your Home Insurance can also just be non renewed which is far more common. This means that the home insurance company may just choose to not offer you another year of insurance.
    Answered on March 21, 2017
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