你這個情況，可以投訴本州的insurance commissioner or department of insurnace。有時候威脅保險公司要投訴就夠了。但是，和業內人對話，要說 I want to retroactively cancel my homeowner insurnace and receive a refund. 否則別人一句話聽不懂你要什麽。
https://www.policygenius.com/homeowners-insurance/how-to-cancel-homeowners-insurance/
Can I cancel homeowners insurance at any time?
Yes, homeowners insurance can be canceled at any time, and you also have the right to a policy refund when you cancel. Most major insurance companies prorate refunds, meaning you can cancel at any time and get reimbursed for any unused policy premiums. But on rare occasions, smaller mutual insurance companies may charge a financial penalty called a short rate cancellation if you cancel your policy before the policy’s expiration date. This penalty is typically 10% of the annual premium.
