This section shall does not apply to any policy or coverage which that has been in effect less than 60 120 days at the time notice of cancellation is received by the named insured, or 90 150 days in the case of residential property which that is expected to be continuously unoccupied for 3 months in any 12-month period and which that is other than the insured's primary residence, unless it is a renewal policy. An insured shall does not have the right to a hearing before the Superintendent of Insurance for the purpose of contesting cancellation of a new policy that has been in force less than 60 120 days or 90 150 days in the case of residential property other than the insured's primary residence which that is expected to be continuously unoccupied for 3 months in any 12- month period.

Sec. 8. 24-A MRSA §3051, as amended by PL 1979, c. 347, §12, is further amended to read:

§3051. Notice of intent

No An insurer shall may not fail to renew a policy except by notice to the insured as provided in this subchapter. A notice of intention not to renew shall is not be effective unless received by the named insured at least 30 days prior to the expiration date of the policy. A post-office department certificate of mailing to the named insured at his the insured's last known address shall be is conclusive proof of receipt on the 3rd calendar day after mailing. The reason shall must accompany the notice of intent not to renew, together with notification of the right to apply for a hearing before the Superintendent of Insurance within 30 days as provided.

The reason or reasons for the intended nonrenewal action shall must accompany the notice of intent not to renew and the reason or reasons shall must be explicit. Explanations such as "underwriting reasons," "underwriting experience," "loss record," "location of risk," "credit report" and similar insurance terms are not by themselves acceptable explanations of an insurer's intended nonrenewal of a policy insuring property of the kind defined in section 3048. The reason for nonrenewal shall must be a good faith reason rationally related to the insurability of the property, or that constitutes a ground for cancellation pursuant to section 3049.

This section shall does not apply: