How to Write a Renters Insurance Cancellation Letter (with Sample)

Insurance policy holders may choose to cancel their insurance policy at any time for various reasons. Although it is important for many people to cover property in their rental house or apartment, there are many people who decide to cancel their renters insurance policy.

One of the reasons that influence people to cancel a renters insurance policy is because there are other companies that offer better coverage for lower monthly premiums. Other reasons for canceling a renters insurance policy may include the loss of employment from the person responsible for paying the premiums.

Perhaps, another reason for requesting a cancellation may be due to the family’s relocation. For whatever reason it may be, it is always recommended to request a renters insurance cancellation in writing because an insurance policy constitutes a contract where the insured agrees and accepts the terms set forth in the contract.

Of note, it is important to be aware that only the policyholder is entitled to make any cancellations on the renters insurance policy. Despite the fact that canceling a renters insurance policy may appear bothersome to many, if one follows an organized series of steps for obtaining a cancellation, this should be a fast, non-complicated process:

Most policies are individually tailored according to the needs of their clients. The first step for canceling a renters insurance policy is to review the provisions of one’s policy noting the rights and responsibilities for the policyholder. Many policies include guidance on cancellation steps from the insurer. For instance, instructions on how to cancel, days of notice, and to whom should the cancellation letter be addressed to.

General Information

Every letter written for any reasons should always contain general information that helps the company identify the insured: date, insurance company name and address, service requested, policy number, policy period, insurer’s name, phone number and address, as well as the date on which the insured would like the insurance to end.

The letter should provide the insurance company the policyholder’s reasons for requesting the cancellation. It does not have to be detailed, although it has to be clear enough to support your claims. Perhaps, the company where the cancellation is being requested may even match its competitor’s offer if the reasons for said request are due to better and cheaper coverage.

Once the policyholder has appropriately completed all the required information necessary for the insurance company to process the claim, it is time for submitting the letter for request of cancellation.

Sample Renters Insurance Cancellation Letter

Today’s Date

Attn: Cancellations Department
Insurance Company Name
Insurance Company Address
Re: Cancellation of Policy #:

To Whom It May Concern:

I regret to inform you that I, Name of policyholder along with policy # have decided to terminate my renters insurance coverage effective immediately. The reason for my decision is based on finding a more comprehensive coverage for a lower cost. Please, send me a written confirmation of the cancellation for my records at your earliest convenience.


Name of policyholder
City, State, zip code

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