2026 Nevada Revised StatutesChapter 687B – Contracts Of InsuranceNRS 687B.310 Cancellations and nonrenewals; scope of application.

Statutory Text

1.  NRS 687B.310 to 687B.420, inclusive, apply to all binders and all contracts of insurance the general terms of which are required to be approved or are subject to disapproval by the Commissioner, except as otherwise provided by statute or by rule pursuant to subsection 3.

2.  The contract may provide terms more favorable to policyholders than are required by NRS 687B.310 to 687B.420, inclusive.

3.  The Commissioner may by rule exempt from NRS 687B.310 to 687B.420, inclusive, classes of insurance contracts where the policyholders do not need protection against arbitrary termination.

4.  The rights provided by NRS 687B.310 to 687B.420, inclusive, are in addition to and do not prejudice any other rights the policyholder may have at common law or under other statutes.

5.  NRS 687B.310 to 687B.420, inclusive, do not prevent the rescission or reformation of any life or health insurance contract not otherwise denied by the terms of the contract or by any other statute.

6.  Any notice to an insured required pursuant to NRS 687B.320 to 687B.350, inclusive, must be personally delivered to the insured or mailed first class or certified to the insured at the address of the insured last known by the insurer. The notice must state the effective date of the cancellation or nonrenewal and be accompanied by a written explanation of the specific reasons for the cancellation or nonrenewal.

(Added to NRS by 1971, 1724; A 1971, 1949; 1983, 1121; 1987, 985, 1063; 1993, 2399; 2003, 3313)

NV Rev Stat § 687B.310 – Last Verified February 2026

Plain English Explanation

When an insurance company in Nevada decides to cancel or not renew your policy, there are rules it has to follow. NRS 687B.310 is the starting point for those rules. It sets the stage for a whole series of statutes, running from NRS 687B.310 all the way through NRS 687B.420, that are designed to protect people who hold insurance policies in Nevada.

These protections apply broadly. If your insurance contract is the kind that the state’s Commissioner of Insurance has to approve or can reject, then the rules in this section apply to it. That covers a wide range of common insurance contracts that everyday Nevadans use.

One thing worth knowing is that your insurance company is actually allowed to give you better protections than what the law requires. The statute sets a floor, not a ceiling. So if your policy happens to include stronger cancellation protections than the law demands, that is perfectly fine and legally valid.

The Commissioner of Insurance does have the ability to carve out exceptions. Certain categories of insurance contracts can be exempted from these rules if the Commissioner determines that the people holding those contracts don’t really need protection from arbitrary cancellations. That exemption power exists by rule, not just on a case by case basis.

Importantly, the rights you get from these statutes are on top of any other legal rights you already have. They do not replace your rights under other laws or under common law. You keep everything you already had and gain these protections as well.

These rules also do not stop an insurer from rescinding or reforming a life or health insurance contract in situations where that is otherwise allowed by the contract itself or by other statutes.

Perhaps one of the most practical pieces of this statute involves how you must be notified if your policy is being canceled or not renewed. The insurer cannot just quietly let your coverage lapse. The notice must be personally delivered to you or mailed first class or by certified mail to your last known address. That notice has to tell you the exact date your coverage ends, and it must include a written explanation spelling out the specific reasons why the company is canceling or not renewing your policy. Vague or general explanations are not enough under this law.

Frequently Asked Questions About NRS 687B.310

Does my insurance company have to tell me why they are canceling my policy in Nevada?

Yes. Under NRS 687B.310, any insurer that cancels or chooses not to renew your policy must send you a written explanation that spells out the specific reasons for that decision. A vague or general statement is not enough. The notice also has to include the exact date your coverage will end, so you are never left guessing about your timeline.

How does an insurance company have to deliver a cancellation notice in Nevada?

The law requires that the notice either be handed to you personally or mailed to the last address the insurer has on file for you. The mailing must be sent first class or by certified mail. An insurer cannot simply email you or post something on an online portal and consider the legal requirement satisfied under this statute.

What types of insurance policies does NRS 687B.310 cover?

The statute applies to insurance contracts whose general terms are required to be approved or are subject to disapproval by Nevada’s Commissioner of Insurance. That encompasses a broad range of policies that everyday Nevadans carry. If you are unsure whether your specific policy falls under these rules, checking whether the Commissioner oversees your contract type is the right starting point.

Can my insurance company give me more protections than what NRS 687B.310 requires?

Absolutely. The statute sets a minimum standard, not a maximum one. If your insurance policy includes cancellation or nonrenewal protections that go beyond what the law demands, those stronger terms are valid and enforceable. The law simply guarantees that every covered policyholder receives at least a baseline level of protection.

Do these protections replace my other legal rights as a policyholder?

No. The rights created by NRS 687B.310 through NRS 687B.420 are in addition to any other rights you already have under Nevada common law or other statutes. Gaining these protections does not cost you anything you already had. Your full set of legal options remains intact alongside the specific rights this statute provides.