How Often Can I Change My Homeowners Insurance? 
As often as you like if you are referring to the actual policy . If you are referring to the writing company , you are free to search the market every year . Normally you will see homeowners insurance policies creep up every year . This is because most policies have an inflation guard built into the policy . It is designed to cover the increased cost of construction over time . Typically it is about 3 % -6 % . It can become a hassle to switch your homeowners insurance on a yearly basis because the company will come out and perform an inspection and can cancel the policy if they see something they do n't like . Also , eventually you will run out of companies to switch from/to . I would look to your independent insurance agent for the best advice . 