Can I Cancel RLI Personal Umbrella at Any Time?

RLI Personal Umbrella imposes a 10% cancellation fee on policy cancellations, which acts as a financial penalty if you try to cancel early. You must provide a signed cancellation request, and the cancellation date can only be backdated up to 30 days. Additionally, any returned premium will be reduced by a short rate factor of 10%, meaning you won't get a full refund. This means you should be prepared for potential costs and delays if you want to cancel your subscription or membership.

Why Do People Cancel RLI Personal Umbrella?

Too many rental properties: Insurance companies like RLI may cancel policies if the policyholder has more rental properties than allowed (e.g., more than 4 properties). Premium increases: Rate hikes can lead customers to seek better deals or cancel coverage. Change in assets or needs: Selling property, downsizing, or changes in personal circumstances may prompt cancellation. Relocation: Moving to a new residence or business location can cause policy cancellation or changes. Poor customer service: Dissatisfaction with communication or service can lead to cancellations. Policy nonpayment: Failure to pay premiums can result in policy cancellation. Fraud or violation of policy terms: In cases of fraud or violations, insurers may cancel policies. High claim frequency or risk: Multiple claims or increased hazards under the insured's control may cause cancellation or nonrenewal. Loss of reinsurance or insurer decisions: Company decisions such as discontinuing a line of insurance or withdrawing from an area can result in cancellation.

What Information Do I Need to Cancel RLI Personal Umbrella?

Insured's full name Policy number Effective date of cancellation Insured's signature and date (required on the cancellation request) Producer's signature and date (if required by agent) Type of change requested (i.e., cancellation of policy) Completed cancellation or change request form (such as the LPR/Change Request Form) Digital signature certificate (if utilizing a digital signature)

What Should I Know Before Cancelling RLI Personal Umbrella?

Before cancelling an RLI Personal Umbrella policy, know that you must provide advance written notice with your signature stating the cancellation date. If you cancel early, a 10% charge will be deducted from any premium refund. The insurer may also cancel with proper written notice, with different notice periods depending on the cancellation reason (10 days for nonpayment, 30 days for other reasons). Upon cancellation, your coverage under the policy immediately ends at the effective cancellation date, so you will lose all umbrella liability protection provided by the policy from that point onward.

What is RLI Personal Umbrella's Cancellation Policy?

RLI Personal Umbrella policy cancellation requires the insured's signature, with the cancellation date effective either on a future date requested, the insured's signature date within 30 days, or the date RLI receives the request if undated. Returned premium is subject to a 10% short rate cancellation fee.

Do I Need My RLI Personal Umbrella Password to Cancel?

To cancel your RLI Personal Umbrella subscription, you generally need to log into their Customer Portal, which requires your password. There isn't any available information indicating that cancellation can be done by phone or chat without a password. If you don't remember your password, you can reset it at the password reset page: https://myportal.rlicorp.com/content/rliPortal/en/forgot-password.html. You can also contact their service and support team at 800-331-4929 for assistance, but be prepared that password verification may be required.

Can I Get a Refund from RLI Personal Umbrella?

We've actually written a step by step guide on how to get a refund from RLI Personal Umbrella. Check it out!

How to Cancel Your RLI Personal Umbrella Subscription (2026)

Difficulty

12345678910

Easy Medium Very Hard

The cancellation process requires completing a specific form (LPR) with signatures from both the insured and the producer, which must be submitted via email or fax. This adds complexity as it involves obtaining signatures and sending the form through less convenient channels, not a simple online one-click cancellation.

Disclaimer

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company's terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.

Find out how much you could save

How much are you paying?

Payment frequency

Savings over 5 years from cancelling your $15/month subscription

Savings by cancelling

Loss if you keep paying

-$0

What People Say About RLI Personal Umbrella

0 reviews

Have you used RLI Personal Umbrella? Share your
experience by leaving a review.

RLI Personal Umbrella Refund Policy

Loading pricing information...

Frequently Asked Questions

The cancellation process typically takes about 35 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.

After canceling your RLI Personal Umbrella subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.

Yes, you can usually reactivate your RLI Personal Umbrella account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.

If you're unable to cancel RLI Personal Umbrella online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.