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  "id": "ins-678",
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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "California Insurance Code section 678",
  "publisher": "California Legislative Information (Legislative Counsel of California)",
  "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=678",
  "officialHost": true,
  "sourceType": "statute",
  "authorityLevel": "primary-law",
  "primary": true,
  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Amended by the Legislature; check leginfo for the current text each session.",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "ins-678#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ins-678#c1",
      "checksum": "93a92ae32d28",
      "text": "The section requires an insurer to deliver or mail to the named insured either an offer of renewal of the policy contingent upon payment of premium or a notice of nonrenewal of the policy, at least 45 days before the policy expiration."
    },
    {
      "claimId": "ins-678#c2",
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      "checksum": "c908e85f86b5",
      "text": "For a policy expiring on or after July 1, 2020, the section requires the insurer to deliver or mail the notice of nonrenewal at least 75 days before the policy expiration."
    },
    {
      "claimId": "ins-678#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ins-678#c3",
      "checksum": "692dabdfebe1",
      "text": "A notice of nonrenewal must contain the specific reason or reasons for the nonrenewal."
    },
    {
      "claimId": "ins-678#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ins-678#c4",
      "checksum": "442bc3beff58",
      "text": "If the insurer fails to give the required notice in time, the existing policy, with no change in its terms and conditions, remains in effect for 45 days from the date the offer to renew or the notice of nonrenewal is delivered or mailed, and for 75 days from that date where the 75 day requirement applies."
    },
    {
      "claimId": "ins-678#c5",
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      "checksum": "88c58d52b59e",
      "text": "The section as displayed carries the amendment note: Amended by Stats. 2022, Ch. 424, Sec. 8. (SB 1242) Effective January 1, 2023."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Example",
      "title": "A composite homeowner with no fire damage receives a nonrenewal notice after a declared wildfire emergency and reads the statute that governs the moratorium",
      "url": "https://bestinsuranceresearch.com/examples/wildfire-nonrenewal-moratorium"
    }
  ],
  "reliedOnByCount": 1,
  "citation": {
    "text": "California Legislative Information (Legislative Counsel of California). \"California Insurance Code section 678.\" unknown. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=678 (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record ins-678, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ins-678",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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