What is the minimum notice period Knightley Insurance must give Emma before not renewing her homeowners policy?

In Florida, property and casualty insurance policies, including homeowners insurance, typically require insurers to provide a policyholder with a minimum notice period before non-renewal. For homeowners insurance policies, the law stipulates a notice period of at least 120 days before the effective date of non-renewal. This is designed to give policyholders adequate time to seek alternative coverage and prepare for any potential gaps in their insurance.

This notice requirement ensures that consumers have sufficient time to make informed decisions, protecting them from unexpected lapses in coverage, which could be detrimental in times of need. Therefore, identifying 120 days as the correct minimum notice period demonstrates an understanding of the regulatory framework governing insurance policies in Florida.