Return policies? -

state law varies. No law. Your question is a bit vague but cancellation (return?) fees can differ depending upon the insurance company policy provisions and state laws. Some state laws prohibit cancellation fees. Typically, there is no fee for cancellation except if it is canceled at the insured’s request during the term of the policy; at that point it can be a short rate cancellation. Basically, if the policyholder requests the cancellation of the policy he or she will lose 10% of the unused premium. However, some state laws even prohibit short rate cancellation fees. To avoid the issue wait until the policy term ends (usually 6 months) to change insurance carrier