When Can You Change Your Homeowners Insurance? 
Homeowners Insurance can be cancelled at any time by the Insured . The Insured may be required to submit a signed request to cancel the policy ; it is important to purchase a new policy and make sure it is effective the same date as the cancellation of your old policy . All policies have a Standard Time of inception and expiration at : 12:01 a.m. . There is an online link available to obtain a quote and purchase Home Insurance directly online in multiple States . The link is : WEBSITELINK If the reason for changing carriers is due to an issue with an inspection which was conducted -LRB- interior or exterior -RRB- on your property , we must advise that all carriers are now inspecting risks which means you will most probably have the same issue with another carrier . On the other hand , an insurance carrier has legal restrictions regarding the cancellation of an insurance policy ; they may only cancel a policy for any underwriting reason during the first 60 days of a new insurance policy . They may cancel a policy at any time for non-payment of premium following the State requirement for legal notice . 