How to Cancel Your Homeowners Insurance via Email

Did you know that you can cancel your homeowners insurance via email? Some insurance agencies will allow you to cancel your homeowners insurance via email. All you have to do is email your agent with the reason as to why you want to cancel your policy and the date you’d like it canceled. Let’s take a look at why a homeowner might want to cancel their policy and the steps involved in canceling by email.

Why would a homeowner want to cancel their Florida homeowners insurance policy?

With all the news surrounding insurance companies canceling homeowners insurance policies, you might be surprised to find out that some homeowners don’t want or need their current policy. The reasons homeowners give for canceling their policies include:

  • They’ve found a lower homeowners insurance rate with a different insurance carrier.
  • The homeowner has decided that he or she will not be living in it as a primary residence and plans to do something else with it. For example, the homeowner may decide to turn the home into a vacation or a rental home.
  • The homeowner has paid off the mortgage and is no longer required to have homeowners insurance.
  • The homeowner may have decided to self-insure their home insurance rather than pay an insurance carrier.
  • The homeowner may have sold the home.

How to Cancel a Homeowners Insurance Policy via Email

Canceling your homeowners insurance policy isn’t usually difficult. Most insurance companies allow you to call them, write a letter or stop by in person to cancel your home insurance policy. Some insurance companies will even accept your cancellation notice via email. Let’s take a look at what you should include when canceling your home insurance via email.

Use the Email Address That’s Linked to Your Insurance Account

If you’re sending an email outside of your online account, try to use the email address that’s linked to the account. This helps provide an extra layer of verification for your insurance agent.

Use a Clear Subject Line

When crafting your email, try to use an informative subject line. You don’t want to use something generic, like Cancel My Policy. This doesn’t tell the insurance agent who’s canceling, and they might skip it, thinking that it’s spam. Instead, create a subject line that includes your full name and policy number so that your agent opens it in a timely manner. For example, you might write – Cancel the Home Insurance Policy for Firstname, Lastname: Policy Number: 123456789.

Be Specific in the Body of the Email

You’ll want to be specific in the body of the email. If you’re emailing your agent, use his or her name at the top of the email. Next, state the name of the policyholder and the address of the insured property. List the date you wish the policy to be canceled.

If you’re getting a new home insurance policy with a different carrier, you’ll want to include the name of the carrier, the agent’s name and contact information and your new policy number, as well as the date that policy becomes effective. Be sure to include your personal cell phone number in case your agent wants to contact you for more details.

Other Things You May Need To Do When Switching Home Insurance Carriers

If you’re canceling your homeowners insurance policy before its renewal date, you may get a refund from your current insurance carrier for any unused premiums. This is especially true if you pay the entire amount of your yearly home insurance upfront.

You may also need to let your mortgage company know that you’ve switched home insurance companies. Mortgage lenders often require homeowners to have homeowners insurance until the mortgage is paid in full. Additionally, many mortgage companies manage the insurance requirement from an escrow account because the homeowner’s monthly payment includes additional things, like home insurance and property taxes. If your monthly house payment also includes these things, you’ll need to provide your mortgage company with your new insurance provider’s information so that they can pay them on time.

Find Affordable Homeowners Insurance with Fearnow in Florida

If you are looking for affordable home insurance, Fearnow can help you. In 2023, homeowners insurance premiums were $10,996 per year. By contrast, the average home insurance premium in the United States was $2,377. That’s a huge difference. Thankfully, our agents at Fearnow can help you find the right home insurance policy for your needs at a price that won’t bust your budget. In fact, our policyholders often save upwards of 37 percent on their policies.

We can also help you find affordable insurance policies if you don’t own a home. We offer renters insurance and condo insurance. When it comes to vehicles, we can help you find affordable car, boat, motorcycle and RV insurance.

To learn more about our home insurance in Florida and to get a quote, give us a call at 813-689-8878.