An insurer that decides not to renew a personal lines property policy must mail the named insured written notice of non-renewal at least how many days before expiration?
Explanation
For a policy expiring on or after July 1, 2020, §678(c)(1) requires the notice of non-renewal at least 75 days before expiration — "notwithstanding subdivisions (a) and (b)", which is where the familiar 45 days sits. The 45 in §678(a)(1) governs the offer-of-renewal branch, not the non-renewal notice, and reading only that far is how the shorter number survives in study material. If the insurer misses the 75 days, §678(c)(2) keeps the existing policy in force on the same terms for 75 days from the date the notice is finally delivered.
Law Reference: Cal. Ins. Code §678(c)(1)This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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