How Do I Change My Homeowners Insurance? 
You can change your home owners policy at any time you wish to compare the policy you have with a company or companies of your choice and you should be aware that the `` refund '' you receive if you are cancelling before maturity is based on the `` short rate '' - in other words the insurance company is going to keep more than they have earned . Therefore you may be smart to wait until maturity of your cureent policy but begin comparing at least 30 days in advance and make the decision to what company you are going to change to match the dates of your cxurrent policy 