The short answer
Cancellation is mid-term policy termination — allowed only for non-payment, material misrepresentation, or substantial change in risk. Non-renewal is a decision not to offer renewal — usually 30–60 day notice; no reason required in most states. Both make the next insurance harder to find and more expensive — start shopping the day the notice arrives.
Frequently asked
- Does non-renewal have to be reported on future applications?
- Yes — 'Have you been non-renewed?' is a standard application question. Non-disclosure is misrepresentation.
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