Life in Texas can move fast. Between home projects, bills, and unexpected events, it’s common for homeowners to let a policy lapse or even cancel their coverage on purpose. But what if you change your mind? Can you get your home insurance through City Centre Insurance Agency LLC, serving Houston, TX, reinstated after canceling? The answer depends on timing, circumstances, and your insurer’s policies.
Understanding the Grace Period
If your policy was recently canceled due to missed payments, you might still have a small window to reinstate it, often within 30 days. During that time, your insurer may allow you to pay the overdue balance and continue your coverage without interruption. But once that window closes, reinstatement becomes more complicated. You might have to apply for a new policy altogether.
When You Cancel Intentionally
If you chose to cancel your policy yourself, say because you’re switching providers or selling your home, you can usually reinstate your coverage, but not always under the same terms. Your insurer will likely ask for updated details about your home’s condition, any recent claims, or changes to your property. In some cases, they may require a new inspection before approval.
What Makes Texas Unique
Texas homeowners face their share of weather risks, from wind and hail to flash floods. But earthquakes, though less frequent, can still occur, especially near fault zones in West Texas. If you’re reinstating your coverage, it’s a good time to ask whether you should add earthquake or flood protection, since these perils aren’t typically covered by standard home insurance policies.
Why Acting Quickly Matters
The longer your home goes uninsured, the greater your financial risk, and the harder it can be to find affordable coverage later. If your policy has lapsed or you’ve had second thoughts about canceling, contact your Texas insurance agent at City Centre Insurance Agency LLC, serving Houston, TX, right away. A quick call could help restore your peace of mind before the next storm rolls through.
