Terms of use

PremiumHike is an educational notebook about homeowners insurance prices and non-renewal notices in the United States. It is not an offer of insurance, not a quote, and not a recommendation to buy, drop, or replace a policy.

Brandon, the editor, is not your agent and is not your lawyer. Notice periods, cancellation grounds, and residual-market eligibility depend on the policy form, the date, and the statute then in force. Read the notice and the statute, and talk to the state insurance department or a licensed professional before you act.

We try to quote documents we have read and to mark the rest needs verification. We do not promise that a page is complete or current after the review date printed on it. You use the site at your own risk. To the extent the law allows, the editor is not liable for decisions you make from these pages, including a gap in coverage.

Do not copy the pages in bulk or present them as your own legal or actuarial work. Short quotation with a link is fine. NAIC statistical compilations have their own reprint limits; the figures here are cited facts with a link back to the publisher.

These terms are governed by ordinary U.S. contract principles. If a court sets one sentence aside, the rest stays.