How to dispute renters insurance?

Submitted by pigwona t3_10pkmnw in personalfinance

My girlfriend moved out of her apartment and back home nearly 4 months ago and she followed up with idk who but someone handling the insurance to make sure she wouldn't get charged for it in the future and what do you know they charged her. She said the apartment management doesn't handle the insurance but a partnered company does. She calls and calls but can't get through to a person even after an hour on hold. Can she just go to her credit company and dispute it since the insurance is making it impossible to contact them?

We live in California.

2

Comments

You must log in or register to comment.

Werewolfdad t1_j6kz4i4 wrote

Renters insurance is a personal expense.

She should have called and cancelled it herself.

If she didn't do so, it'd be her fault

13

pigwona OP t1_j6kzy3e wrote

I only talked to her briefly today so I don't have all the details but it sounds like she tried to ensure she went through the process to have it cancelled and re-iterated the question that she wouldn't be charged in the future. Also something about having got a plan that wouldn't auto renew. What questions should I ask her to see if she went through the proper steps?

0

Werewolfdad t1_j6l09qd wrote

“Did you call the insurance carrier and ask to cancel your renters insurance?”

5

pigwona OP t1_j6l15e5 wrote

She logged into her account to check and the account doesn't exist anymore which sound like she canceled it?

2

Werewolfdad t1_j6l1h7u wrote

And she was charged each of the last four months?

2

pigwona OP t1_j6l22op wrote

I'm starting to think it was longer than 4 months ago because it might have been a 6 month lumpsum payment. She checked with whoever it is that the insurance is through at the beginning of the month and was told she would not be getting charged again. She talked about it before kinda worried it would happen anyway. Sorry I don't have much experience with this as I never rented in a contracted way. I've rented but for an internship at a company guys house with other interns and we venmo'd him.

0

Werewolfdad t1_j6l2c9m wrote

I think you need to figure out the timing better

2

pigwona OP t1_j6l3q0p wrote

Called her. I was a bit way off. She moved out in march 2022. Paid a 1 year lumpsum in January 2022 even though she moved out March 2022(things changed) and was told it would not be auto charged by the renters insurance company. She called again early this January and was told then it wouldn't charge. She admitted to not actually canceling but was under impression it would kinda end on its own I guess. She also found an email saying her policy was canceled in April 2022 so she thinks she canceled then.

0

Werewolfdad t1_j6l40p3 wrote

> She admitted to not actually canceling

Ahh, so we have the truth.

She can call and cancel and get a pro-rated refund.

She should have called and cancelled in March 2022 and gotten a pro-rated refund

2

pigwona OP t1_j6l46cp wrote

Sorry I edited the reply. You response was fast which is appreciated. Please see the add about email confirming policy cancelation.

1

Werewolfdad t1_j6l4bud wrote

If that is the case, it may be worth a complaint to the CA department of insurance to see about a refund for this year and a pro-rated refund for last year

1

pigwona OP t1_j6l4p6v wrote

Ok we'll roll with that and see if she missed something or if it's on them. Thank you for all the info!

2

hopingtothrive t1_j6kz8qr wrote

Dispute it on the credit card. The CC company also may have a phone number or email to get in touch with them

2

Puzzleheaded_Put534 t1_j6kzebz wrote

Renters insurance is less than a Netflix subscription. Personally i would keep it even if she moves back to her parents home

2

pigwona OP t1_j6l0f4e wrote

I believe she paid a lumpsum and not monthly so its an amount of money she would like back. Do you have a reason why it would be worth keeping if doesn't rent anymore?

2

Puzzleheaded_Put534 t1_j6l4u4t wrote

It's protection essentially for her things. It is a little redundant but if her parents house has a fire and they have a lot of expensive/significant stuff in there it can exceed their policy limit for reimbursement which would leave her out in the cold, kinda literally.

0