Missouri § 375.004 - Refusal to renew, when authorized — exemption, when.
Full text of Missouri Revised Statutes of Missouri § 375.004 — Refusal to renew, when authorized — exemption, when., with citation guidance and answers to common questions.
§ 375.004. Refusal to renew, when authorized — exemption, when.
1. No insurer shall refuse to renew a policy unless the insurer or its agent mails or delivers to the named insured, at the address shown in the policy, at least thirty days' advance notice of its intention not to renew. The notice shall state the insurer's actual reason for proposing the action, the statement of reason to be sufficiently clear and specific so that a person of average intelligence can identify the basis for the insurer's decision without further inquiry. Generalized terms such as "personal habits", "living conditions", or "poor morals" shall not suffice to meet the requirements of this subsection. The notice shall also state that the insured may be eligible for insurance through the Missouri basic property insurance inspection and placement program. This section shall not apply:
(1) If the insurer has manifested its willingness to renew; or
(2) In case of nonpayment of premium; or
(3) If the named insured has indicated he does not wish to have the policy renewed; or
(4) If the insured fails to pay any advance premium required by the insurer for renewal.
2. Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of the renewal.
3. An insurer shall be exempt from the requirements of this section regarding notice of nonrenewal if:
(1) The insurer assigns or transfers the insured's policy to an affiliate or subsidiary within the same insurance holding company system;
(2) The assignment or transfer is effective upon the expiration of the existing policy; and
(3) Prior to providing coverage for a subsequent policy term, an insurer accepting an assignment or transfer of the policy shall provide notice of such assignment or transfer to the named insured.
--------
(L. 1977 S.B. 300 § 4, A.L. 2016 H.B. 2194)
---- end of effective 28 Aug 2016 ----
Frequently Asked Questions About Missouri § 375.004
What does Revised Statutes of Missouri § 375.004 cover?
Section 375.004 ("Refusal to renew, when authorized — exemption, when.") is part of the Revised Statutes of Missouri, the codified statutory law of Missouri. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Missouri § 375.004?
A common citation format is "Revised Statutes of Missouri § 375.004" (Missouri). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Missouri law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Missouri official source linked on this page or consult a licensed Missouri attorney.
How does Missouri § 375.004 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Missouri can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Missouri.