Receiving a non-renewal notice from Liberty Mutual can be stressful, but you’re not alone. Many California homeowners have received non-renewal notices in recent years as insurance companies have reduced their exposure due to wildfire risk, rising construction costs, and increased claims.
The good news is that you still have options.
At Starwest Insurance Services, we’ve been helping California homeowners find replacement coverage since 1995, including homes that have been non-renewed by major insurance companies.
Why Is Liberty Mutual Non-Renewing Policies?
A non-renewal doesn’t necessarily mean you’ve done anything wrong.
Common reasons include:
- Increased wildfire exposure
- Company changes to underwriting guidelines
- Too many homes insured in one area
- Property condition concerns (roof, plumbing, electrical, etc.)
- Previous claims history
- The insurer reducing business in certain ZIP codes
Many homeowners with no claims history have still received non-renewal notices.
Don’t Wait Until the Last Minute
As soon as you receive a non-renewal notice, start shopping for new insurance.
Waiting until the last few days before your policy expires can limit your options and create unnecessary stress.
We recommend starting the process 30–60 days before your expiration date whenever possible.
We Compare Multiple Insurance Companies
As an independent insurance agency, we shop multiple carriers to help you find the best available option.
Depending on your property, we may have access to:
- Standard homeowners insurance companies
- Preferred markets
- High-value home carriers
- Specialty insurance companies
- California FAIR Plan (when necessary)
- Difference in Conditions (DIC) policies for wildfire-prone properties
Every home is different, and we’ll help determine which option best fits your situation.
What If My Home Is in a High Wildfire Area?
If your property is located in a brush or wildfire-prone area, some standard insurance companies may decline coverage.
If that happens, we can often help arrange:
- California FAIR Plan for fire coverage
- Difference in Conditions (DIC) policy for:
- Water damage
- Theft
- Liability
- Personal property
- Loss of use
- Other important protections
This combination has become a common solution for many California homeowners.
What Information Will We Need?
To provide accurate quotes, we’ll typically ask for:
- Property address
- Current insurance declarations page
- Non-renewal notice (if available)
- Year built
- Square footage
- Roof age
- Plumbing, electrical, and HVAC updates
- Any recent claims
- Whether the home is owner-occupied or rented
Having your current declarations page helps us compare your existing coverage and recommend appropriate replacement coverage.
Can I Keep the Same Coverage?
Our goal is to match or improve your current coverage whenever possible.
We’ll review items such as:
- Dwelling Coverage
- Other Structures
- Personal Property
- Loss of Use
- Personal Liability
- Water Damage Coverage
- Replacement Cost Coverage
- Deductibles
- Optional endorsements
If there are differences between policies, we’ll explain them clearly so you can make an informed decision.
Why Choose Starwest Insurance Services?
For over 30 years, we’ve helped California homeowners navigate a challenging insurance market.
Why homeowners choose us:
✅ Independent Insurance Agency
✅ Compare Multiple Top-Rated Insurance Companies
✅ High Wildfire Risk Specialists
✅ California FAIR Plan Experts
✅ Fast Quotes
✅ Personalized Service
✅ No Broker Fees Since 1995
We understand today’s California insurance market and will work hard to find the best available solution for your home.
Get a Free Replacement Home Insurance Quote
If Liberty Mutual has non-renewed your homeowners insurance, don’t panic—but don’t wait either.
Our experienced team can review your current policy, compare multiple insurance companies, and help you secure replacement coverage before your current policy expires.
Contact Starwest Insurance Services
🏢 Starwest Insurance Services, LLC
Protecting California Families & Businesses Since 1995
📍 13752 Goldenwest St.
Westminster, CA 92683
📞 Office: (714) 893-7271
📱 Call or Text: (714) 231-0897
📧 Email: jb@starwestinsurance.com
🌐 Website: www.starwestinsurance.com
CA License #0B83846
Frequently Asked Questions
Can I get homeowners insurance after a non-renewal?
Yes. A non-renewal does not automatically prevent you from obtaining coverage with another insurance company.
Will my premium increase?
It depends on your home’s location, wildfire exposure, claims history, and the current insurance market. We’ll compare multiple carriers to help you find the best available value.
What if every company declines my home?
If standard markets are unavailable, we can often help with a California FAIR Plan policy paired with a Difference in Conditions (DIC) policy to provide more complete protection.
Should I send my current policy?
Yes. Sending your declarations page and non-renewal notice allows us to compare coverages and recommend the most appropriate replacement policy.