Can I pay for cooling insurance during the summer, then cancel and get furnace insurance during the winter, then cancel and go back to cooling insurance again?

Just keep in mind that you must have a plan for 30 days in order to file a claim. You also pay for that first 30 days. They have bundle packages you should look into.

You can do that but that's just seems like so much trouble the prices are so reasonable it's not a binding contract you can cancel an add-on at any time I think they're a good company