An insurer chooses not to renew a personal homeowners policy at its natural expiration. How many days before expiration must it mail written notice to the named insured under California law?

Explanation

Insurance Code §678 requires that a notice of non-renewal of a personal-lines residential property policy be mailed to the named insured at least 75 days before the expiration date and state the specific reason. The shorter periods listed are timeframes that apply to other actions (such as a mid-term cancellation of an auto policy for non-payment) but do not satisfy §678 for property non-renewal.