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

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

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.

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.

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

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?

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?