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美国卖房千万别忘了这件事!我自己亲身踩了两次坑…

&NewLine;<&excl;--more-->&NewLine;&NewLine;&NewLine;&NewLine;<p>💡&nbsp&semi;<strong>我的真实经历<&sol;strong><br>过去两年,我在德州前后卖了三个房子。<br>结果才发现:<strong>房子卖掉以后,保险公司根本不知道!<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>第一个房子卖完,我没取消保险,多交的钱折腾半天才要回来;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>第二个房子我记得主动联系,顺利退了;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>第三个房子,又忘了,结果又经历了一轮电话、邮件、确认地址、等支票的麻烦流程 🙈。<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>所以提醒大家:卖房之后,一定要自己去取消房屋保险、申请退款。<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-full is-resized"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2025&sol;09&sol;image-3&period;png" alt&equals;"" class&equals;"wp-image-44519" style&equals;"width&colon;453px&semi;height&colon;auto"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>❌ 为什么保险公司不会主动退<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong>系统不互通<&sol;strong>:title company &sol; 贷款银行 和保险公司是完全独立的系统,卖房过户的信息保险公司并不会收到。<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>默认继续有效<&sol;strong>:在保险公司眼里,你还是保单持有人。<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>不联系就不会退<&sol;strong>:他们不会主动通知你,&OpenCurlyDoubleQuote;请来拿回未用的保费”,必须你自己打电话去要求。<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h2 class&equals;"wp-block-heading"><&sol;h2>&NewLine;&NewLine;&NewLine;&NewLine;<h2 class&equals;"wp-block-heading"><strong>📞 为什么觉得麻烦?<&sol;strong><&sol;h2>&NewLine;&NewLine;&NewLine;&NewLine;<ol class&equals;"wp-block-list">&NewLine;<li><strong>要打电话 &plus; 提交文件<&sol;strong><br>必须提供结算单(Settlement Statement)和过户日期,才能取消。<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>要确认退款方式<&sol;strong><br>有的退回原支付渠道,有的只寄支票;支票还常常寄到<strong>旧地址<&sol;strong>,必须反复确认。<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>还涉及 Escrow<&sol;strong><br>有贷款的房子,保险费多半从 escrow 扣,卖房后 escrow 的余额要另外等贷款方退,还得再跟进一次。<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>处理慢<&sol;strong><br>电话排队、邮件回复、支票寄送,整个流程常常要<strong>几周甚至一两个月<&sol;strong>。<&sol;li>&NewLine;<&sol;ol>&NewLine;&NewLine;&NewLine;&NewLine;<h2 class&equals;"wp-block-heading"><strong>✅ 怎么操作才省心?<&sol;strong><&sol;h2>&NewLine;&NewLine;&NewLine;&NewLine;<ol class&equals;"wp-block-list">&NewLine;<li><strong>准备好材料<&sol;strong>&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>过户日期<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>结算单 PDF&sol;照片<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>保单号 &plus; 联系方式 &plus; 新的邮寄地址<&sol;li>&NewLine;<&sol;ul>&NewLine;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>打电话 &sol; 发邮件给保险公司<&sol;strong><br>明确三点:&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>我要从过户日起取消保单<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>请退还未使用的保费<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>停止自动续保,支票寄到新地址<&sol;li>&NewLine;<&sol;ul>&NewLine;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>跟进 Escrow 退款<&sol;strong><br>卖房后 2~4 周,贷款公司通常会寄支票,记得查收。<&sol;li>&NewLine;<&sol;ol>&NewLine;&NewLine;&NewLine;&NewLine;<h2 class&equals;"wp-block-heading"><strong>📝 给大家的提醒<&sol;strong><&sol;h2>&NewLine;&NewLine;&NewLine;&NewLine;<p>👉 卖房不只是过户那天的手续结束,还要记得:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>主动取消房屋保险<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>跟进退款方式<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>核对 Escrow 余额<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>这不是一笔&OpenCurlyDoubleQuote;小亏”,而是一个<strong>必须自己操作的繁琐流程<&sol;strong>。<br>我自己卖了三个房子,居然有两次都忘了,结果白白多打了几通电话、来回确认地址,等支票等到心烦。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>📌&nbsp&semi;<&sol;strong><strong>一句话总结<&sol;strong><br>卖房千万别忘了取消保险!<br>不然钱不是拿不回来,而是要折腾好久,平白给自己找麻烦。其他买卖房子的分享:<a target&equals;"&lowbar;blank" href&equals;"https&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448155&amp&semi;idx&equals;1&amp&semi;sn&equals;1fb29c3dc08e734bc11be03712145052&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">美国卖房小结<&sol;a><&sol;p>&NewLine;

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