A lot of people make the mistake of assuming that as long as they are able to maintain their home insurance payments they will not have to worry about their policy being canceled. They believe that they will always be protected. However, that is not always the case. You could have your homeowners' insurance policy canceled (even just temporarily) if they send out an inspector and notice certain things wrong with your home. If your home has issues that are deemed to be a safety hazard, they have the right to cancel your policy until you make the needed repairs and replacements.

Keep The Pathway Safe For Visitors

Sure, you might be used to the crack in the steps and you might know that there is a raised portion on your pathway due to some roots pushing up on the cement. However, your guests may not and even if they do, they could trip, fall, injure themselves, and then sue you for damages. Make sure that all needed repairs to the sidewalk, the path to your porch or stoop, and your porch are free from problems. If the insurance company feels that your home is at high risk for needing a claim to be paid, they can cancel your policy.

Keep The Siding And Roof Free From Holes And Missing Pieces

Even if there is just the tiniest hole in your siding, it could be enough of a reason for your homeowners' insurance company to want you to do something about it. They want your home protected just as much as you do. They are aware of the problems that can arise when moisture is able to get back behind the siding or shingles on a home. Mold and mildew can start growing and spread like crazy. Pests can also access the interior of your home a lot easier with such openings. Make sure that you are occasionally looking over the roof and the siding of your home and make repairs as necessary.

As you can imagine, the last thing you would want would be for you to lose your home insurance policy. Even if it is temporary for a couple of weeks, anything problematic could occur during that period of time. Whether someone trips and gets injured on your property or you have an electrical fire, if it happens during that cancellation period, you will not be financially protected. Make sure that you immediately contact your insurance company if you ever receive notification of pending cancellation. They don't want to cancel your insurance if they don't have to and will most likely be willing to work with you on a new deadline for you to get everything sorted out and repaired. 

Contact your home insurance provider to learn more.