> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Coverage gap

> What a coverage gap in auto or home insurance is, why even a one-day lapse can raise premiums for years, and how to avoid a nonpayment cancellation.

A **coverage gap** is any period between policies with no insurance. Even a single day without coverage can affect your rates for years and may trigger higher-risk pricing.

If you cancel one policy, start the replacement the same day. Never drive uninsured where liability is required.

## Related terms

* [Premium](/learn/premium)
* [SR-22](/learn/sr-22)
* [Auto insurance](/learn/auto-insurance)

## Further reading

* [FTC — Auto insurance basics](https://consumer.ftc.gov/articles/auto-insurance-what-you-need-know)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=coverage-gap)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=coverage-gap)


## Related topics

- [SR-22](/learn/sr-22.md)
- [Learn](/learn/index.md)