How To Switch Homeowners Insurance With Escrow? 
If your homeowners insurance is escrowed do n't sweat it . Typically switching carriers for your homeowners insurance coverage from one carrier to another is fairly seamless and can be handled by your local agent . Depending on the carrier they may require a payment on the new policy to get things started . Your current carrier should refund any unused portion of premium . Your mortgage lender may change your escrow amount based on the new premium and the timing of the start of the new policy in comparison to the homeowners insurance renewal date . 