Once a homeowner has relied on a policy for a while, California limits the insurer's freedom to walk away midterm. Section 676 applies to policies described in Section 675, which include residential property of not more than four dwelling units.

After a new policy has been in effect for 60 days, or immediately if it is a renewal, a cancellation notice works only if it rests on a listed ground. The list includes: - nonpayment of premium; - fraud or material misrepresentation; - physical changes in the property that make it uninsurable. A wish to write fewer homes in an area is not on the list.

Why 60 days? The first 60 days of a new policy are the insurer's window to review the risk. A renewal has already been through that review, so the protection starts at once.

Minimum notice of cancellation: - Homeowners: at least 20 calendar days, or 10 days for nonpayment or fraud. - Commercial policy subject to Section 675.5: at least 30 days, or 10 days for nonpayment or fraud. - Personal auto: at least 20 days, or 10 days for nonpayment. Added mailing time can apply when a notice is mailed.