A homeowner whose coverage is shrinking or ending needs time to shop. Section 678 sets how much warning the insurer must give for residential property policies.

Renewal offer with reduced limits or coverage, Section 678(a): delivered or mailed at least 45 days before expiration. It must state any reduction of limits or elimination of coverage, identify the specific limits or coverage involved, and give the insurer's telephone number for consumer inquiries.

Notice of nonrenewal, Section 678(c): for policies expiring on or after July 1, 2020, at least 75 days before expiration. If the insurer is late, the existing policy stays in effect, with no change in its terms, for 75 days from the date the notice is delivered or mailed.

Building code upgrade at renewal, Section 10103(c): an insurer may not issue or renew an open replacement cost policy unless it provides additional building code upgrade coverage of at least 10% of the dwelling limit. It is in addition to the dwelling limit, insurers may offer more, and the rule does not apply to actual cash value policies without replacement cost or code upgrade coverage.