PREMIUMHIKERates, notices, and the statute
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Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.

BIBLIOGRAPHY

Sources

Numbered citations on the articles point here and to the same list at the bottom of each page. Reviewed 2026-10-14.

  1. [1] Fla. Stat. § 627.4133 (2026)

    Florida Senate. Reviewed 2026-10-14.

    https://www.flsenate.gov/Laws/Statutes/2026/0627.4133

  2. [2] Cal. Ins. Code § 678

    California Legislative Information. Reviewed 2026-10-14.

    https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=678.

  3. [3] 2026 notice: significant California residential property insurance laws

    California Department of Insurance. Reviewed 2026-10-14.

    https://www.insurance.ca.gov/0250-insurers/0300-insurers/0200-bulletins/bulletin-notices-commiss-opinion/upload/2026-Notice-Significant-California-Laws-Pertaining-to-Residential-Property-Insurance-Policies-Declared-State-of-Emergency.pdf

  4. [4] Press release 012-2026: State Farm settlement on the emergency interim rate

    California Department of Insurance. Reviewed 2026-10-14.

    https://www.insurance.ca.gov/0400-news/0100-press-releases/2026/release012-2026.cfm

  5. [5] Tex. Ins. Code § 551.105

    Texas Legislature. Reviewed 2026-10-14.

    https://statutes.capitol.texas.gov/Docs/IN/htm/IN.551.htm

  6. [6] H.B. 1900, 88th Legislature (enrolled)

    Texas Legislature. Reviewed 2026-10-14.

    https://capitol.texas.gov/tlodocs/88R/billtext/html/HB01900F.htm

  7. [7] La. R.S. 22:1335

    Louisiana State Legislature. Reviewed 2026-10-14.

    https://legis.la.gov/Legis/Law.aspx?d=508253

  8. [8] Act 182 (2025), notice period effective July 1, 2026

    Louisiana State Legislature. Reviewed 2026-10-14.

    https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1425106

  9. [9] C.R.S. § 10-4-110.7

    Colorado Revised Statutes (Justia 2025 codification). Reviewed 2026-10-14.

    https://law.justia.com/codes/colorado/title-10/property-and-casualty-insurance/article-4/part-1/section-10-4-110-7/

  10. [10] House Bill 23-1174 (signed), 30-day notice raised to 60

    Colorado General Assembly. Reviewed 2026-10-14.

    https://content.leg.colorado.gov/sites/default/files/2023a_1174_signed.pdf

  11. [11] House Bill 25-1205 (signed), FAIR plan association

    Colorado General Assembly. Reviewed 2026-10-14.

    https://content.leg.colorado.gov/sites/default/files/2025a_1205_signed.pdf

  12. [12] N.Y. Ins. Law § 3425

    New York Senate. Reviewed 2026-10-14.

    https://www.nysenate.gov/legislation/laws/ISC/3425

  13. [13] Homeowners insurance: cancellations and nonrenewals

    New York Department of Financial Services. Reviewed 2026-10-14.

    https://www.dfs.ny.gov/consumers/help_for_homeowners/insurance/cancellations_and_nonrenewals

  14. [14] Senate Bill 35 (2025), signed, effective January 1, 2026

    Office of the Governor of Georgia. Reviewed 2026-10-14.

    https://gov.georgia.gov/document/2025-signed-legislation/sb-35/download

  15. [15] Minn. Stat. § 65A.29

    Minnesota Revisor of Statutes. Reviewed 2026-10-14.

    https://www.revisor.mn.gov/statutes/cite/65A.29

  16. [16] N.C. Gen. Stat. § 58-41-20

    North Carolina General Assembly. Reviewed 2026-10-14.

    https://www.ncleg.gov/EnactedLegislation/Statutes/PDF/BySection/Chapter_58/GS_58-41-20.pdf

  17. [17] N.C. Gen. Stat. § 58-41-10 (scope)

    North Carolina General Assembly. Reviewed 2026-10-14.

    https://www.ncleg.net/EnactedLegislation/Statutes/HTML/ByArticle/Chapter_58/Article_41.html

  18. [18] If your homeowners insurance policy is non-renewed

    Illinois Department of Insurance. Reviewed 2026-10-14.

    https://idoi.illinois.gov/consumers/consumerinsurance/homeownerrenter/if-your-homeowners-insurance-policy-is-non-renewed.html

  19. [19] Examining Homeowner Property Insurance Market Dynamics, 2018–2024 (31 July 2026)

    NAIC Center for Insurance Policy and Research. Reviewed 2026-10-14.

    https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf

  20. [20] NAIC release on the 2018–2024 homeowners market analysis

    National Association of Insurance Commissioners. Reviewed 2026-10-14.

    https://content.naic.org/article/naic-releases-first-its-kind-national-analysis-homeowners-insurance-market-trends

  21. [21] NAIC members by zone

    National Association of Insurance Commissioners. Reviewed 2026-10-14.

    https://content.naic.org/membership-report/members-zone

  22. [22] Facts + statistics: homeowners and renters insurance

    Insurance Information Institute (Triple-I). Reviewed 2026-10-14.

    https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance

  23. [23] Triple-I press release, 17 December 2025, homeowners market brief

    Insurance Information Institute. Reviewed 2026-10-14.

    https://www.iii.org/press-release/triple-i-homeowners-insurance-market-shows-early-signs-of-stabilization-as-post-covid-inflation-pressures-level-set-into-new-normal-for-risk-pricing-121625

  24. [24] Citizens’ 2026 multiperil rates to drop statewide (4 March 2026)

    Citizens Property Insurance Corporation. Reviewed 2026-10-14.

    https://www.citizensfla.com/-/20260304-citizens-2026-multiperil-rates-to-drop-statewide

  25. [25] Governor’s office / CFO release on Citizens rate relief (12 January 2026)

    Florida Department of Financial Services. Reviewed 2026-10-14.

    https://myfloridacfo.com/news/pressreleases/press-release-details/2026/01/12/icymi--governor-ron-desantis-announces-major-insurance-rate-relief-as-florida%27s-reforms-deliver-results

  26. [26] SERFF Filing Access

    NAIC. Reviewed 2026-10-14.

    https://filingaccess.serff.com/sfa/home/

  27. [27] State insurance department directory

    National Association of Insurance Commissioners. Reviewed 2026-10-14.

    https://content.naic.org/state-insurance-departments

  28. [28] Insurance topics: FAIR plans

    National Association of Insurance Commissioners. Reviewed 2026-10-14.

    https://content.naic.org/insurance-topics/fair-access-to-insurance-requirements-plans

  29. [29] Allstate moves to reopen California home insurance market

    Insurance Business. Reviewed 2026-10-14.

    https://www.insurancebusinessmag.com/us/news/breaking-news/allstate-moves-to-reopen-california-home-insurance-market-for-first-time-in-four-years-588803.aspx

  30. [30] California Department of Insurance

    California Department of Insurance. Reviewed 2026-10-14.

    https://www.insurance.ca.gov/

  31. [31] Texas Department of Insurance

    Texas Department of Insurance. Reviewed 2026-10-14.

    https://www.tdi.texas.gov/

  32. [32] Florida Office of Insurance Regulation

    Florida Office of Insurance Regulation. Reviewed 2026-10-14.

    https://floir.gov/

  33. [33] Florida Division of Consumer Services

    Florida Department of Financial Services. Reviewed 2026-10-14.

    https://myfloridacfo.com/division/consumers

  34. [34] A.R.S. § 20-1654

    Arizona State Legislature. Reviewed 2026-10-14.

    https://www.azleg.gov/ars/20/01654.htm

  35. [35] A.R.S. § 20-1653

    Arizona State Legislature. Reviewed 2026-10-14.

    https://www.azleg.gov/ars/20/01653.htm

  36. [36] A.R.S. § 20-1652

    Arizona State Legislature. Reviewed 2026-10-14.

    https://www.azleg.gov/ars/20/01652.htm

  37. [37] Is an insurer required to provide notice of cancellation or non-renewal?

    Arizona Department of Insurance and Financial Institutions. Reviewed 2026-10-14.

    https://difi.az.gov/faq/insurer-required-provide-me-notice-if-they-intend-cancel-or-non-renew-my-homeowners-policy

  38. [38] Homeowners insurance frequently asked questions

    Arizona Department of Insurance and Financial Institutions. Reviewed 2026-10-14.

    https://difi.az.gov/homeowners-insurance-frequently-asked-questions

  39. [39] Bulletin No. 2026-02

    Oklahoma Insurance Department. Reviewed 2026-10-14.

    https://www.oid.ok.gov/bulletin-no-2026-02/

  40. [40] OAC 365:15-1-14, permanent rules effective 25 July 2026

    Oklahoma Insurance Department. Reviewed 2026-10-14.

    https://www.oid.ok.gov/wp-content/uploads/2026/07/July-25-2026-OAC-365-Chapter-15.pdf

  41. [41] 36 O.S. § 3639.1 (2024 codification)

    Oklahoma Statutes via Justia. Reviewed 2026-10-14.

    https://law.justia.com/codes/oklahoma/title-36/section-36-3639-1/

  42. [42] 215 ILCS 5/143.17

    Illinois General Assembly. Reviewed 2026-10-14.

    https://ilga.gov/documents/legislation/ilcs/documents/021500050K143.17.htm

  43. [43] 215 ILCS 5/143.21.1

    Illinois General Assembly. Reviewed 2026-10-14.

    https://www.ilga.gov/Documents/legislation/ilcs/documents/021500050K143.21.1.htm

  44. [44] 20-percent eligibility rule, Answer 1123, updated 21 May 2026

    Citizens Property Insurance Corporation. Reviewed 2026-10-14.

    https://securesupport.citizensfla.com/app/answers/detail/a_id/1123/kw/eligible

  45. [45] Facts + statistics: auto insurance

    Insurance Information Institute (Triple-I). Reviewed 2026-10-14.

    https://www.iii.org/fact-statistic/facts-statistics-auto-insurance

  46. [46] Liberty Mutual Insurance retires Safeco brand (27 April 2026)

    Liberty Mutual, via PR Newswire. Reviewed 2026-10-14.

    https://www.prnewswire.com/news-releases/liberty-mutual-insurance-retires-safeco-brand-302754533.html

  47. [47] What happened to Safeco?

    Liberty Mutual. Reviewed 2026-10-14.

    https://agents.libertymutual.com/