TheBadPlaceundefined | ‘Throwing my money’: Florida man shocked to find he is still paying $600 in insurance months after selling his home
A Florida resident, Eugene Boykins Jr., discovered that more than a year after selling his Miami Gardens home he was still being charged roughly $600 each month for homeowner’s insurance on a property he no longer owned. Boykins, who lived in the house for thirty years and sold it to reduce a mounting mortgage, had informed his insurer of the sale, yet the policy remained active and drained thousands of dollars from his fixed‑income account. When he finally noticed the continued deductions, the insurer said any refund would be limited to only the most recent months.
Legal analyst Howard Finkelstein explained that homeowners are not obligated to keep paying insurance after a sale, but the cancellation must be documented properly—ideally in writing and confirmed by email, letter, or text. Boykins had attempted to cancel over the phone, but without written proof the insurer continued billing him. After Boykins turned to the consumer‑help segment “Help Me Howard,” the program intervened, contacted the insurer, and secured a full refund, with the erroneous charges stopping within weeks.
The episode underscores the importance of obtaining definitive proof when ending any service. Finkelstein advises consumers to keep a written record of cancellations and to follow up if confirmation is not received. In Boykins’ case, the insurer ultimately issued checks for the entire amount owed, allowing him to recover his money after the unnecessary insurance payments had persisted for over a year.
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