AN ACT RELATING TO INSURANCE-CASUALTY INSURANCE GENERALLY-LIMITATIONS ON POLICY CANCELLATIONS AND RENEWALS (Amends the regulations on the cancellation and renewal of liability and property damage insurance for automobiles, homeowners insurance, residential fire insurance and components thereof.)

S2011A

2026 -- S 2011 SUBSTITUTE A
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LC003429/SUB A/3
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STATE OF RHODE ISLAND
IN GENERAL ASSEMBLY
JANUARY SESSION, A.D. 2026
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A N A C T
RELATING TO INSURANCE-CASUALTY INSURANCE GENERALLY-LIMITATIONS ON
POLICY CANCELLATIONS AND RENEWALS

Introduced By:
Senators Gu, Britto, Gallo, Bell, DiMario, Burke, Sosnowski, Kallman,
Mack, and Bissaillon

Date Introduced:
January 09, 2026

Referred To:
Senate Commerce
It is enacted by the General Assembly as follows:
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SECTION 1. Section 27-8-11 of the General Laws in Chapter 27-8 entitled "Casualty
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Insurance Generally" is hereby amended to read as follows:
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27-8-11. Regulations on cancellation and renewal.
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(a) In addition to, and not in lieu of, any other power the commissioner has to issue rules
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and regulations, the commissioner of insurance may promulgate, in accordance with the procedure
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established in chapter 35 of title 42, reasonable rules and regulations concerning cancellation and
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renewal of liability and property damage insurance for automobiles rated as private passenger
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automobiles, homeowners insurance, residential fire insurance, or any components thereof. Those
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regulations may require that the insurer shall furnish to the named insured the reason, or reasons,
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for cancellation or nonrenewal.
Those

For liability and property damage insurance for automobiles
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rated as private passenger automobiles, those
regulations shall also require that the insurer furnish,
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at least thirty (30) days prior to renewal, written notice of any coverage reductions, elimination, or
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increased deductibles not made at the request of the insured.
For homeowners insurance, residential
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fire insurance, or any components thereof, those regulations shall require that the insurer furnish,
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at least thirty (30) days prior to renewal, written notice of any coverage reduction or elimination,
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cancellation, or increased deductibles not made at the request of the insured. For homeowners
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insurance, residential fire insurance, or any components thereof, as of July 1, 2027, those
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regulations shall also require that the insurer furnish written notice of nonrenewal at least sixty (60)

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days prior to renewal
The notice shall itemize and describe the policy coverage reductions,
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elimination, or increased deductibles and shall be captioned “NOTICE OF REDUCTION IN
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COVERAGE”. The policyholder shall be notified that the policy renewal contains the “NOTICE
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OF REDUCTION IN COVERAGE” by one of the following manners:
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(1) By mailing the “NOTICE OF REDUCTION IN COVERAGE” separate from the
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renewal policy package mailing; or
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(2) By printing “NOTICE OF REDUCTION IN COVERAGE ENCLOSED” on the
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renewal policy package envelope and including said reductions in the first few pages of the renewal
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policy package; or
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(3) By printing “NOTICE OF REDUCTION IN COVERAGE ENCLOSED” on the first
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page of the renewal policy package; or
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(4) If the renewal policy package is made available by email, the email notifying the
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policyholder of the renewal shall contain a statement that the policy contains a “NOTICE OF
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REDUCTION IN COVERAGE” and said reductions shall be in the first few pages of the renewal
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policy package.
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These coverage changes must be approved by the insurance division with respect to those
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types of insurance defined in § 27-8-1(1) — (8), issued to non-business insureds and bodily injury
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and property damage liability coverage issued to non-business insureds. There shall be no liability
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on the part of, and no cause of action of any nature shall arise against, the commissioner of
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insurance or any insurer, their authorized representatives, agents, or employees, or any firm, person,
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or corporation furnishing to the insurer or commissioner information as to the reasons for
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cancellation or nonrenewal; for any statement made by any of them in any written notice of
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cancellation or nonrenewal; or in any other communication, oral or written, specifying the reasons
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for cancellation or nonrenewal; or for the providing of information pertaining to the cancellation
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or nonrenewal; or for statements made, or evidence submitted, at any hearing conducted in
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connection with the cancellation or nonrenewal.
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(b) The commissioner shall promulgate regulations with respect to personal motor vehicle
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insurance, homeowners insurance, and residential fire insurance, or any components of that
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insurance requiring notification to policyholders upon renewal of any coverage reductions,
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elimination, or increased deductibles not at the request of the insured.
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SECTION 2. This act shall take effect upon passage.
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EXPLANATION
BY THE LEGISLATIVE COUNCIL
OF
A N A C T
RELATING TO INSURANCE-CASUALTY INSURANCE GENERALLY-LIMITATIONS ON
POLICY CANCELLATIONS AND RENEWALS
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This act would amend the regulations on the cancelation and renewal of liability and
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property damage insurance for automobiles, homeowners insurance, residential fire insurance and
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components thereof.
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This act would take effect upon passage.
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LC003429/SUB A/3 - Page 3 of 2