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HB 1611 Mississippi House · 2025 Regular Session

Property and casualty insurance coverage; require 45-day notice before change in coverage of.

HB 1611 requires Mississippi insurance companies to provide policyholders with at least 45 days' written notice before changing, canceling, reducing, or not renewing property and casualty insurance coverage (including home, auto, and workers' compensation policies). This law directly affects homeowners, renters, and business owners who purchase these insurance policies in Mississippi. The key provision mandates a 45-day notice period for coverage changes, increasing the previous requirement from 30 days for policies renewed after July 1, 2026. The notice must be sent to both the policyholder and any named creditor loss payee, with specific details about less favorable terms if applicable.
Bill status signed all 5 stages cleared
Introduction
Feb 2025
Committee Review
Mar 2025
House Passage
Mar 2025
Senate Passage
Mar 2025
Signed into Law
Mar 2025
Introduced Feb 10, 2025 Signed Mar 21, 2025
Maddy AI version diff · 3 comparisons

What changed between versions

As Passed the lower → Current version · 6 edits
MODERATE
This bill expands insurance notice requirements to cover automobile and workers' compensation insurance in addition to property and casualty insurance. It increases the required notice period from 30 days to 45 days for most insurance renewals and cancellations starting July 1, 2026, while maintaining a 30-day requirement for the interim period through June 30, 2026. The changes also add new provisions requiring insurers to notify the Mississippi Insurance Department before transferring policies to affiliated insurers.
Scope change
The bill's scope expanded from only property and casualty insurance to include automobile insurance and workers' compensation insurance, affecting a broader range of insurance policies.
SCOPE

Added automobile insurance to the list of insurance types requiring 45-day notice for renewal, cancellation, or nonrenewal

Added workers' compensation insurance to the list of insurance types requiring 45-day notice for renewal, cancellation, or nonrenewal

REQUIREMENT

Increased notice period from 30 days to 45 days for most insurance policy renewals and cancellations effective July 1, 2026

Added requirement for insurers to notify Mississippi Insurance Department at least 45 days before transferring policies to affiliated insurers

TIMELINE

Added interim provisions effective July 1, 2025 through June 30, 2026 requiring 30-day notice, with full 45-day requirements beginning July 1, 2026

ENFORCEMENT

Added consumer protection provision allowing policyholders to continue coverage for additional 45 days if insurer fails to provide required notice

Floor votes · Senate Mar 7, 2025 · House Feb 6, 2025

How they voted

48–0
Passed · 3 other
Total votes 51
Mar 7, 2025
D Democratic16
15 Yea 1
93% Yea
R Republican35
33 Yea 2
94% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
15
Key actions
8
Committee
4
Amendments
2
Mar 21, 2025
Signed into law
Approved by Governor
executive
Mar 12, 2025
Lower · Passed
Concurred in Amend From Senate
lower
Mar 7, 2025
Upper · Passed
Passed As Amended
upper
Mar 7, 2025
Upper · Passed
Amended
upper
Mar 4, 2025
Upper · Passed
Title Suff Do Pass As Amended
upper
Feb 17, 2025
Committee
Referred To Insurance
upper
Feb 10, 2025
Introduced
Transmitted To Senate
lower
Feb 6, 2025
Lower · Passed
Passed As Amended
lower
Feb 6, 2025
Lower · Passed
Amended
lower
Jan 30, 2025
Lower · Passed
Title Suff Do Pass Comm Sub
lower
Jan 20, 2025
Committee
Referred To Insurance
lower
0 primary · 0 co-sponsors

Sponsors

No sponsor information available.