Refund Policy

1. Insurance Premium Payments

Insurance premium payments are governed by the terms established by the insurance carrier underwriting the policy. Land Star Insurance Agency Inc. acts as an independent agent and facilitates the placement of coverage with carriers. Premium payment terms, schedules, and amounts are determined by the issuing carrier.

2. Refund Eligibility

Refund eligibility may vary depending on a number of factors, including:

• • Policy type and the specific carrier underwriting the coverage
• • Carrier requirements and underwriting guidelines
• • Applicable California state insurance regulations
• • Timing of the cancellation request relative to the policy effective date

3. Policy Cancellations

Policyholders may request policy cancellations according to carrier procedures and applicable insurance regulations. Cancellation requests may require:

• • Written authorization from the named insured
• • Signed cancellation documentation as required by the carrier
• • Identity verification to protect against unauthorized cancellations

Please contact our office directly to initiate any policy cancellation request.

4. Pro-Rated Refunds

Where applicable and in accordance with carrier guidelines and California insurance regulations, refunds may be issued on a pro-rated basis for unused policy periods. The calculation method for pro-rated refunds is determined by the issuing carrier and the terms of the specific policy.

5. Non-Refundable Fees

Administrative fees, policy processing fees, underwriting expenses, and certain agency service charges may be non-refundable where permitted by applicable California law. These fees will be disclosed to the client prior to policy binding where applicable.

6. Refund Processing

Approved refunds may require several business days to process depending on the insurance carrier, financial institutions involved, and payment processors. Land Star Insurance Agency Inc. will communicate expected timelines upon confirmation of a refund approval. We are not responsible for delays caused by third-party financial institutions.

7. Billing Questions

Customers should contact our office promptly regarding any billing concerns, disputed charges, or questions about premium payments. Early communication allows us to resolve issues more efficiently and in compliance with carrier timelines.

8. No Guarantee of Refunds

Refund approvals remain subject to insurance carrier policies, signed policy agreements, underwriting reviews, and applicable California state and federal laws. Land Star Insurance Agency Inc. cannot guarantee the approval of any refund request. All refund determinations are ultimately made by the issuing insurance carrier.

9. Contact Information

For questions about refunds, billing, or policy cancellations, please contact us: