How many days written notice of cancellation must an insurer provide to the insured for a homeowners policy?

For a homeowners policy in Texas, the law stipulates that an insurer must provide the insured with a minimum of 10 days' written notice of cancellation. This requirement ensures that the policyholder has adequate time to understand the reasons for cancellation and make necessary arrangements to obtain alternative coverage if needed. Such regulations are designed to promote transparency and protect consumers from sudden loss of insurance coverage. The 10-day notice period strikes a balance between the insurer’s need to manage their risk and the policyholder's right to fair notice and the opportunity to seek other options.