You need to contact the insurance company because when you have insurance on something (house, car, property) it is a contract between YOU, the insured, and the Insurance Company, the Insurer. The apartment manager may have initiated this contract on your behalf and require you to keep it but once you move out and have no potential for loss there you can cancel it.

If I were you I would call and cancel the insurance and have them backdate it to the day that you moved out, you may need some proof for that.

Call both and you will know what you need to do to get the issue resolved.

Jared B.

If it’s YOUR renters insurance policy, you just cancel the policy by calling the company.

But you won’t get “retroacive” money back, because the renters insurance would cover you when you move to the new place – even if you’re not paying rent.

You normally cannot insure something if you have no potential for loss. If you signed a contract agreeing to a minimum notice prior to cancellation, you may still be liable.

You can try calling the insurance agent or company to cancel, but check your lease agreement or contract for more information.

Good luck!