It happens almost daily throughout the Sunshine State, including Oviedo, FL. Homeowners are getting letters from their home insurance providers stating that their home insurance is not being renewed.

Many are reaching out to us at Karla Salmon Insurance. They are seeking guidance on what to do next. Here are some tips.

You can contest the non-renewal.

Depending on the reason given for non-renewal, you may be able to contest the non-renewal. If the provider is no longer offering home insurance in the state, there may be little you can do other than seek another provider.

Research your options.

If you have a mortgage, your lender will likely require you to maintain home insurance. This means you will need to find protection elsewhere. This could mean potentially higher premiums, or you may even be asked to improve your home.

You do have options.

Keep in mind that you may still have options. You may have to increase deductibles or limit coverage. If you own your home outright, you could even self-insure, which can be risky depending on your financial situation.

Get the help you need.

There is a difference between getting your home insurance canceled by your provider and getting a "non-renewal" notice. Knowing these differences can help determine your options for future coverage.

If you struggle to maintain home insurance on your Oviedo, FL, area home, contact us at Karla Salmon Insurance. We can help guide you through what can be a frustrating process for many. We look forward to assisting you.