Access Insurance Access Access Insurance will take your money for years, and refuse to renew your policy when you need it the most. Gulfport Mississippi

Thank you for that information Robert, and I did inform Access Insurance from the beginning to email me information pertaining to my policy as I am hardly ever there, and that I was in the process of moving to a new home. (Which is insured with State Farm) I have several other insurance policies with State Farm, and if there is any sort of issue, an agent will take a few minutes of their time to either email me or pick up the phone and call me. I usually pay for an entire year in advance. I informed Access Insurance that I will be contacting the insurance commissioner.

If you are telling the entire truth and not leaving any details out, contact your States Insurance Comissioner/agency ASAP.  As you can not just be told one day that they are not renewing your policy.

As in every State I am aware of if an insurance company does not intend to allow you to renew your policy they must give you a notice in enough time for you to be able to obtain coverage somewhere else.  The minimum I have ever seen is 15 days and in many states it is 45 to 60 days.  I took a quick look for Mississippi's regulation and it appears they require 30 days.

Now, that is for a policy that is currently in effect.  If you allowed the policy to lapse by even a day and then figured you better get it reinstated before the huricane hit, then they may no longer be required to reinstate/renew your coverage.

What this basically means and why you need to contact your State Agency is that with the Hurricane expected to hit landfall this week.  You should either still be covered under your current policy because it can not have expired yet due to the notice requirement, or they already sent you a notice they intend to allow you to renew and are most likely required to still honor that.