N.J.A.C. Title 11, Chapter 1 (Administration), Subchapter 5 (Fire and Casualty Insurance/FAIR Plan surcharge) and Subchapter 20 (Renewal, Cancellation and Nonrenewal of Commercial and Homeowners Insurance Policies) only
Edition and licensing notes
Publisher. Cornell Legal Information Institute (law.cornell.edu), publication of the New Jersey Administrative Code (N.J.A.C.)
Edition. Cornell Legal Information Institute (law.cornell.edu) publication of the New Jersey Administrative Code (N.J.A.C.), retrieved 2026-09-29; NOT the state's own portal. LII states state regulations are updated periodically; no adoption-date currency line is printed on the section pages (each section's adoption history is in LII's Notes, not stored here).
Status. New Jersey administrative rules are public law; text as republished by Cornell LII (law.cornell.edu); the LII page format and terms of use were not fetched or r
What this document is
N.J.A.C. Title 11, Chapter 1 (Administration), Subchapter 5 (Fire and Casualty Insurance/FAIR Plan surcharge) and Subchapter 20 (Renewal, Cancellation and Nonrenewal of Commercial and Homeowners Insurance Policies) only is a regulation published by Cornell Legal Information Institute (law.cornell.edu), publication of the New Jersey Administrative Code (N.J.A.C.). It is one of the New Jersey documents that insurance license exam questions are written from, including new jersey property & casualty, new jersey personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.
Sections cited in practice questions
Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.
- N.J.A.C. 11:1-5.5(a) (Notice regarding flood damage coverage)
“All fire and casualty insurers, including the New Jersey Insurance Underwriting Association (FAIR Plan), that write homeowners insurance, as defined in N.J.A.C. 11:2-42.2, shall provide their policyholders at least annually with a notice that includes the following information: 1. A homeowners...”
- N.J.A.C. 11:1-20.2(d) (Renewal, nonrenewal, and cancellation notice requirements)
“No cancellation, other than a cancellation based upon nonpayment of premium or for moral hazard as defined in (f) below, shall be valid unless notice is mailed or delivered by the insurer to the insured, and to any person entitled to notice under the policy, not more than 120 days nor less than 30...”
- N.J.A.C. 11:1-20.2(j) (Renewal, nonrenewal, and cancellation notice requirements)
“if an insurer fails to send a notice of nonrenewal as required by this subchapter or fails to issue and deliver a policy replacing at the end of the policy period a policy previously issued and delivered by the insurer, or fails to issue and deliver a certificate or notice extending the term of a...”
- N.J.A.C. 11:1-20.4(e) (Cancellation and nonrenewal underwriting guidelines)
“Any underwriting guideline or standard premised on adverse loss experience shall be limited in application to nonrenewals only and shall specifically identify the type of loss experience which supports and justifies the nonrenewal action.”
- N.J.A.C. 11:1-5.3(c) (FAIR Plan short notice cancellation procedures)
“The association shall notify the insured of any cancellation in a writing setting forth the reason or reasons for cancellation and the effective date. The writing shall advise the insured of a right to appeal the cancellation to the association within 15 days of the date of mailing, and if the...”
- N.J.A.C. 11:1-20.2(e) (Renewal, nonrenewal, and cancellation notice requirements)
“A policy shall not be cancelled for nonpayment of premium unless the insurer, at least 10 days prior to the effective cancellation date, has mailed or delivered to the insured notice as required in this subchapter of the amount of premium due and the due date. The notice shall clearly state the...”
- N.J.A.C. 11:1-5.1(d) (FAIR Plan surcharge)
“On bills for premiums, the surcharge shall be a separate charge to the insured in addition to the premium to be paid, shall be shown separately from any Guaranty Association charge and shall be identified as "IDF Surcharge" or such other designation as the Commissioner may advise insurers is acceptable.”
- N.J.A.C. 11:1-20.2(b) (Renewal, nonrenewal, and cancellation notice requirements)
“no notice of nonrenewal shall be valid unless it is mailed or delivered by the insurer to the insured not more than 120 days nor less than 30 days prior to the expiration of the policy.”
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