When an insurer desires to cancel or non-renew a property insurance policy, they must give advance written notice of how many days?

• A. 15 days
• B. 30 days
• C. 45 days
• D. 60 days

Answer: (C)

The policyholder’s protection comes first: when an insurer plans to cancel or not renew a property policy, it must give advance written notice so the insured has time to find other coverage. In Maryland, the standard requirement is 45 days of advance written notice before the cancellation or non-renewal takes effect. This notice helps prevent gaps in protection by giving the insured a window to shop for alternatives, arrange new coverage, and understand the impending termination date. The notice typically identifies the policy, states the termination date, and explains the reason for cancellation or non-renewal as required by law.