South Carolina Personal Lines Practice Exam

How many days notice must an insurer provide to a policyholder when nonrenewing a homeowners policy during hurricane season?

1. 30 days

2. 60 days

3. 90 days

4. 120 days

The correct answer is: 90 days

The correct timeframe for notifying a policyholder about the nonrenewal of a homeowners policy during hurricane season is indeed 90 days. This requirement is in place to protect consumers, ensuring they have sufficient time to secure alternative coverage before the hurricane season starts. Hurricane season in many areas, including South Carolina, can bring significant risks, making it critical for homeowners to have a continuous insurance policy in effect. By mandating a 90-day notice, the law helps to safeguard policyholders from potential gaps in coverage during these high-risk periods. This approach not only supports the stability of homeowners' financial protection but also encourages insurers to communicate effectively with their clients regarding policy changes. The other options do not align with the legal requirements surrounding nonrenewal notifications during this specific time, which is why they are not the correct choice. Providing less than the 90 days would not give homeowners enough time to address their coverage needs adequately.