Nonrenewal is different from cancellation: the policy runs its full term, but the insurer will not offer a new one. California sets its own notice rules, which the amendatory endorsement brings into the policy.

Insurance Code §678.1(c): for a policy subject to the section, notice of nonrenewal must be given at least 60 days, and not more than 120 days, before the end of the policy period. The statute has exceptions.

Late notice (§678.1(d)): if the insurer misses that window, the policy continues with no change in its terms or conditions for 60 days after the insurer gives the notice. Example: the policy ends June 30 and the notice is hand-delivered June 10. Coverage continues on the same terms until August 9, which is 60 days after June 10, not 60 days after June 30.

Refunds below pro rata (§481(c)): if a policy says a midterm cancellation by the insured will be refunded on a short-rate basis, or it charges cancellation fees, the insurer must disclose this in writing, with the actual or maximum fees or penalties, before or with the application and before each renewal. California allows these terms with disclosure; it does not ban them, and the rule is not limited to personal policies.