How long before policy renewal must an insured receive notice of intent not to renew?

The correct answer is that an insured must receive notice of intent not to renew at least 60 days before the policy renewal date. This requirement is established to provide policyholders with sufficient time to understand their insurance coverage status, assess their options for continuation or change, and prepare for any necessary adjustments to their insurance needs. By receiving early notification, insured individuals are empowered to make decisions that could affect their financial and coverage situations, allowing them to shop for new policies if desired.

Other time frames, such as 30, 90, or 15 days, do not align with the established regulations. The 60-day notice period is specifically designed to ensure that policyholders are not caught off guard by unexpected changes in their coverage, which is crucial for maintaining adequate insurance protection and planning for future needs.