If you decide not to renew your **home insurance**, it’s important to notify your insurance company in advance. In Texas, while there isn’t a national law like Spain’s Ley 20/2015, most insurers require **30 days’ notice** before the policy’s expiration to avoid automatic renewal.

Properly informing your insurance company ensures you can cancel your policy without unexpected charges. If no notice is given, your policy may automatically renew according to the contract terms. For extra peace of mind and to explore coverage options, you can [**compare the best rates**](https://www.usa.compare/) on life, health, and car insurance.

## How Long Do You Have to Cancel a Newly Purchased Policy?
If you recently bought an insurance policy in Texas, you usually have a **10–14 day “free look” period** (depending on the insurer and type of policy) to cancel the contract without penalties. This allows you to review the policy, understand its coverage, and decide whether it meets your needs. During this period, you can cancel and receive a refund of any premiums paid.

## When Can I Cancel My Insurance Policy?
To cancel your policy, it’s recommended to do so **before the policy renewal date**. Contact your insurance company’s customer service by phone, email, or online portal and explain why you wish to cancel.

If your insurance is **required by a mortgage**, you will likely need to show proof of another policy with the same coverage where the lender is listed as a beneficiary, to maintain the mortgage protection.

![Cancel Insurance in Texas](https://correct-desire-7ba8bfcc91.media.strapiapp.com/Cuanto_tiempo_antes_hay_que_avisar_para_anular_un_seguro_copia_e1ea631373.webp)

## How to Notify Your Insurance Company
The following options are generally accepted by insurers in Texas:

-   Call customer service and, if possible, **record the call** as proof.
-   Use the insurer’s **online cancellation form** if available.
-   Send a **certified letter or email** with all policy details. Keep proof of submission and delivery.
-   Visit the insurance office in person and submit a written request. Request that your copy be **stamped with the date**. If they refuse, ask for a **formal complaint form**.

## What Happens if You Don’t Give Proper Notice?
If you fail to give notice within the required period, the insurance company may **automatically renew your policy**, and you will be responsible for paying the full premium. To avoid complications, always notify your insurer **at least 30 days before your policy expires** if you plan to switch or cancel coverage.

## Will You Get a Refund When Cancelling?
In Texas, you may receive a **prorated refund** if you cancel your policy mid-term. Refunds are generally given for unused coverage unless there are specific clauses preventing it. Exceptions may include changes made by the insurer that you were not notified of or reductions in coverage that weren’t reflected in the premium.

If you want to cancel your policy, notify your insurance company with at least 30 days’ notice to avoid automatic renewal. For newly purchased policies, use the 10–14 day “free look” period to cancel without penalty. To find the best coverage at competitive rates, [**compare the best rates**](https://www.usa.compare/) and choose the policy that fits your needs.

How Much Notice Do You Need to Cancel an Insurance Policy?

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