I take out renters insurance for my three week vacation every year, when holidays done, cancel insurance & they refund half.
Aopa insurance I take costs $210.00 for the year, I get back $105.00 refund after the cancellation. Takes them 2 months to refund.
The $210 worked out at £180 with the exchange rate approx.
Been doing this for the last five years with no problem.
I have an address in USA I use as I have American family friends over there.
T