When can my coverage become effective?

Category: Applying for and Renewing Coverage

New applicants may request an effective date as soon as the date the application is received in our office and up to 75 days into the future. Effective dates cannot be backdated. If you do not select a “desired effective date,” we will default to the date the application was received.

Renewals become effective the date the current policy expires. Customers may renew no earlier than 75 days prior to their expiration date.