Can I Switch Home Insurance Companies? 
Always . You do n't have to wait for your renewal date , either . Whatever happened that makes you want to switch does n't matter . It 's your home and your choice as to whom you choose to insure it . Just be sure to go about it in the correct manner . The first step is to find a new agent , one you can trust . It does n't really matter if it 's an independent agent or an agent that only writes through one company . Most good companies wo n't be that far apart so choose your agent first . Find one that cares and can explain everything to you and take their advice . Then you can cancel your current policy . The correct way to do this is to write them a letter requesting the policy to be cancelled and choose the effective date of the new policy . They 'll cancel your policy and send you back any unused premium . This will usually take a week or so before you receive your refund check . 