你这个情况，可以投诉本州的insurance commissioner or department of insurnace。有时候威胁保险公司要投诉就够了。但是，和业内人对话，要说 I want to retroactively cancel my homeowner insurnace and receive a refund. 否则别人一句话听不懂你要什么。
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.
