Can the insurance company cancel my policy in Kansas?

Hey there — Mike Goodman here with Goodman Insurance Solutions. One of the questions I get from time to time is: “Can my insurance company cancel my policy?”

The short answer: Yes, they can. But there are rules, notice requirements, and common reasons why it happens. Let’s break it down so you know what to watch for.

Two Ways a Company Can End Your Policy

Cancellation

The company sends you a notice saying they will no longer provide coverage starting on a specific date. This could be as soon as 10 days or as long as 30 days, depending on the reason and state law.

Non-Renewal

Instead of ending coverage mid-term, they let your policy run until its expiration date — but they won’t start a new 6-month or 12-month cycle.

Why Does This Happen?

Insurance companies, like any other business, have to stay profitable. If an account starts costing them more than they’re comfortable with, they may decide to step away.

Some common triggers:

A pattern of multiple claims, even small ones, that signal bigger risks ahead

Frequent liability losses

Repeated traffic violations like speeding or DUI convictions (especially on auto policies)

A couple of tickets? Usually no big deal. But a consistent trend of violations or claims can raise red flags.

Real-World Example

On the auto side, I’ve seen policies non-renewed after a driver racks up several violations within a short period. Even without one “big” accident, the pattern made the company decide they weren’t comfortable staying on that risk.

Know Your Rights

While companies can cancel or non-renew, they must follow state-specific notice rules in Kansas. That means giving you written notice within a required time frame before the change takes effect.

Bottom Line

Yes — your insurance company can cancel or non-renew your policy. But it’s rarely out of nowhere. If you see your claims or violations trending in the wrong direction, it’s worth talking to your agent now instead of waiting for a letter in the mail.

If you have questions about your policy — whether you’re a current customer or not — call or text 620-531-0261, email Mike@goodmaninsurancesolutions.com, or visit kansasinsuranceagent.com. We’ll help you understand your options and keep your coverage in place.

Can the insurance company cancel my policy?