Can I Cancel My Home Insurance At Any Time? 
You can cancel homeowners insurance at any time . Call your insurance company or agent and tell them that you want to cancel coverage . They will issue an amended declaration that will show that all coverage ceased on the date that you called . They will send you a bill for any premium that is still due or a refund of any premium not used . They will send the same declaration to your mortgage company who will then start writing letters to you and will ultimately force issue a policy to cover their interests and send you the invoice for the premium , normally as a part of your mortgage bill . 