Plan every renewal from its X-date.
Enter the X-date of a policy. You get the dates to review the account, meet the client, send submissions, follow up on quotes and bind, and the deadline for the carrier's nonrenewal notice in New York, California, Texas and Florida.
Enter an X-date to see the timeline.
Covera sends these reminders for you
Covera's renewal workflow reminds your team 90, 60 and 30 days before each X-date, and remarkets the account to your carriers when the premium jumps.
How the timeline is built
Two kinds of dates, kept apart. The agency steps are practice: they follow a sample commercial renewal procedure published by the Massachusetts Association of Insurance Agents, which starts 120 days out, and run on a shorter 60-day schedule for personal lines. The carrier notice is law: the latest date a carrier must tell the insured it will not renew, or will renew on worse terms.
Sources
N.Y. Ins. Law §§ 3425 and 3426; Cal. Ins. Code §§ 678 and 678.1; Tex. Ins. Code §§ 551.054 and 551.105; Fla. Stat. §§ 627.4133 and 627.728. Statutes read on October 22, 2026.
Notice periods have exceptions (nonpayment, excess and jumbo risks, policy forms). Read the statute before you rely on a date. This tool does not give legal advice.
Questions
How far before the X-date should an agency start a commercial renewal?
Around 120 days. That leaves time to update exposures, get currently valued loss runs and remarket. In New York and California, a carrier can also send its nonrenewal notice up to 120 days before expiration.
What is an X-date in insurance?
The expiration date of a policy. Agencies track it to start the renewal on time, and to reach prospects before their current policy renews.
How much notice must a carrier give before a nonrenewal?
It depends on the state and the line. For commercial lines, New York and California require 60 to 120 days, Texas at least 60 days and Florida 45 days. Florida requires 120 days for homeowners nonrenewals.
Is the 120, 90, 60 and 30-day schedule required by law?
No. It is agency practice. The law sets the carrier's notice periods, not the agency's internal steps.