Policy cancellation moratorium for some Missouri homeowners policies

UPDATE: In Bulletin 25-11, Missouri has issued an extension to the protections of Bulletin 25-10 to master policies issued to condominiums in Missouri. The extension does not apply to Condominium Homeowners policies (HG-6). All protections in Bulletin 25-10 remain in place until Dec. 31, 2025.

The Missouri Department of Commerce and Insurance issued a bulletin in response to homeowners and/or dwelling insurance covering residential properties. Bulletin 25-10 indicates that Missouri insurers should not be cancelling or non-renewing Missouri homeowners or dwelling insurance policies covering residential properties damaged by a storm occurring after March 1, 2025.

The Bulletin does not refer to a specific storm or county. It simply states that impacted insureds should not be having to worry about finding replacement insurance while also attempting to repair a damaged property. The moratorium remains in effect until companies are notified by the Department or Bulletin 25-10 is rescinded. 

This moratorium does not apply to properties not damaged in storms occurring after March 1, 2025.  The moratorium also does not apply to cancellations due to non-payment of premiums.  The Department also advises that this should not be interpreted as a permanent moratorium.

See Bulletin 25-10 here.