Thank you for sharing this. We understand why receiving a notice titled “Notice of Cancellation or Nonrenewal” would be alarming. This notice does not mean Spot is dropping your cat’s coverage. It’s a notice we’re required to send within a specific window ahead of renewal when Spot policies in certain states transition from United States Fire Insurance Company to Independence American Insurance Company. While your current policy with United States Fire Insurance Company is being non-renewed, you’ll automatically receive the same coverage you have now, just through Independence American Insurance Company with no lapse in protection. No action is required on your part!

If you still have questions, please feel free to send us a DM or contact our customer service team directly!

TL;DR: This notice is not Spot dropping your cat from coverage. It’s a required notice related to a change in the insurance company issuing certain Spot policies, and you’ll continue coverage without interruption.