Texas insurance glossary
Non-renewal
A non-renewal is the insurer declining to continue a policy at the end of its term, as distinct from a mid-term cancellation or a declination that never issued at all.
Texas Insurance Code ch. 551 governs the practice and the notice: an insurer must renew at the insured’s request unless written notice of non-renewal was mailed before the deadline the chapter sets.
From 1 January 2026, HB 2067 requires a written reason for a declination, a cancellation and a non-renewal alike. The reason is the useful part, because it is what decides which carrier is worth trying next.
The homeowners version of this, and what to do inside the notice period, is the non-renewal article.
Sources: Tex. Ins. Code ch. 551 — declination, cancellation and nonrenewal; HB 2067 (89R) — written reason for a declination, cancellation or nonrenewal; TDI Commissioner’s Bulletin B-0008-25 — HB 2067 implementation. Verified .
A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .
Where this is handled
A non-renewal has a clock on it. One independent agency can re-shop the house across the carriers still writing it and tell you what the deductible would actually cost you in a storm.