Policy cancellation moratorium for some Missouri homeowners policies

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 The moratorium remains in effect until companies are notified by the Department or Bulletin 25-10 is rescinded.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.

Got questions? Contact us.

Email 800-362-2041

Products underwritten by Grinnell Mutual Reinsurance Company, SI, and affiliated companies. Not all Grinnell Mutual companies are mutual companies. The summarized coverage descriptions are used for reference only and do not contain relevant policy conditions, exclusions, or limitations. Products and discounts not available to all persons in all states and are subject to underwriting guidelines, review, and approval. Home Office: 4215 Highway 146, PO Box 790, Grinnell, IA 50112-0790. Grinnell Mutual Reinsurance Company, SI, Grinnell Mutual, and coordinating logos or marks are registered trademarks of Grinnell Mutual Reinsurance Company, SI. © Grinnell Mutual Reinsurance Company, SI,