Can I switch home insurance companies? 
When you buy a home insurance policy , its not a contract for life . If you are unhappy with your current coverage , you can easily switch to a new home insurance company . Before making this move , there are just a few things you need to do beforehand . The first thing you should do is review your current insurance policy . See when it is scheduled to end as well as if there are any costs for ending your contract early . For example , if you cancel a prepaid policy , some companies give you your unearned premium payments back while others will not . Check to see if it makes more financial sense to cancel the policy or just wait for it to expire . When you decide to make a move , you can contact your new insurance company and ask them to set up your new policy . You will need to fill out a short application to set up your coverage . When you submit your application , be sure to include your insurance premium as well . You wont be covered until after the insurance company receives your premium payment . Once your new policy is up and running , you can cancel your old policy . Call up your old company and tell them you want to end your coverage . They will mail you a document telling you your coverage is over and will also return any money they might owe you . After you finish cancelling your policy , you have finished switching home insurance companies . 