LA HB345

Increases the required notice period for cancellation or nonrenewal of property and casualty insurance policies from 30 days to 60 days, and from 20 days to 60 days for certain nonrenewal notices

Applies to homeowners insurance, automobile insurance, and commercial insurance policies, with exceptions for cancellations due to nonpayment of premium (which retain a 10-day notice requirement)

Requires insurers to include the cause for cancellation or nonrenewal in written notices sent to policyholders

If an insurer fails to provide 60-day notice of rate increases, deductible changes, or coverage reductions, the existing policy terms remain in effect until proper notice is given or replacement coverage is obtained

Effective date: July 1, 2026