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They actually owe you premiums back to the date of you selling your home. I would start by calling and asking to the manager of customer service and explaining the situation. They can not insure a home you do not own! Tell them to fix the problem, refund your money and fix your credit report as it pertains to insurance carriers (I forget what it is called) or you will call the Better Business Bureau, Attorney Generals office and the State Insurance Commissioner. If you are dealing with an agent or agency, the problem could lie right there. Contact the insurance company directly!

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Q: Is there anything you can do if you did not cancel your homeowners policy until 51 days after selling your home and the insurance company won't backdate the cancellation?
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If you have an auto insurance policy, and you want to either switch companies or cancel your coverage because your vehicle is no longer in commission, you have the right to do so. While the process of cancelling a policy will vary amongst insurers, most insurers will request a letter of cancellation in writing with your policy number, requested date of cancellation, and your signature to cancel your policy. If your vehicle is non-operable, some states will require proof of the date you reported the vehicle as a non-op to the DMV. If you are switching companies, you may be requested to provide a copy of the declarations page from the new insurer showing the effective date of the policy to backdate the cancellation. While some companies do not charge a fee for cancellation, others will short rate your premium and charge a percentage of the unearned premium if you cancel your contract before renewal.


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