---
title: "Check the renewal or nonrenewal notice on a property policy"
url: "https://ailawframework.com/practice/insurance-law/check-the-written-notice-that-renewable-general-insurance-is-about-to-ex/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-MA20261022-16-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Check the renewal or nonrenewal notice on a property policy

> From the policy, record the expiration day, whether the contract is property insurance of the kind in Insurance Code chapter 11, the date any renewal offer or nonrenewal notice was delivered or mailed, and whether the…

Canonical page: https://ailawframework.com/practice/insurance-law/check-the-written-notice-that-renewable-general-insurance-is-about-to-ex/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | From the policy, record the expiration day, whether the contract is property insurance of the kind in Insurance Code chapter 11, the date any renewal offer or nonrenewal notice was delivered or mailed, and whether the notice states a reduction of limits, an elimination of coverage, or the specific reasons for nonrenewal. Do not decide that cover continued. State law governs, and the lawyer confirms the governing state. For example, California. |
| What the lawyer must review | California Insurance Code § 678 sits in the chapter on cancellation and failure to renew certain property insurance. Subdivision (a) requires the insurer, at least 45 days before expiration, to deliver or mail either an offer of renewal contingent on payment of the premium, stating any reduction of limits or elimination of coverage and the insurer’s inquiry telephone number, or a notice of nonrenewal stating the specific reasons and that telephone number. If the insurer fails to do so, subdivision (b) keeps the existing policy in effect, with no change in its terms, for 45 days from the date the offer or notice is delivered or mailed. Subdivision (c) uses 75 days for a notice of nonrenewal of a policy that expires on or after 1 July 2020, and keeps the policy in effect for 75 days from a late notice. 15 U.S.C. § 1012 leaves this notice rule to state insurance law. You decide whether § 678 applies to this policy. State law governs, and the lawyer confirms the governing state. For example, California. |
| Written for | United States |
| Applies to | [Check the written notice that renewable general insurance is about to expire](https://ailawframework.com/practice/insurance-law/check-the-written-notice-that-renewable-general-insurance-is-about-to-ex.md) |

## Checking plan

- What the AI does: From the policy, record the expiration day, whether the contract is property insurance of the kind in Insurance Code chapter 11, the date any renewal offer or nonrenewal notice was delivered or mailed, and whether the notice states a reduction of limits, an elimination of coverage, or the specific reasons for nonrenewal. Do not decide that cover continued. State law governs, and the lawyer confirms the governing state. For example, California.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- From 1 July 2022, mailing time under Code of Civil Procedure § 1013(a) applies if the offer or notice is mailed. That section was not opened.
- Do not use the 14-day Insurance Contracts Act 1984 (Cth) notice period for this California property policy.
- State law governs; confirm the governing state before relying on this.

## Sources

- [California Insurance Code § 678, renewal offer or notice of nonrenewal for certain property insurance](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=678.) (checked 2026-10-22)
- [15 U.S.C. § 1012, regulation of the business of insurance by State law (McCarran-Ferguson Act)](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*