Can I Switch Home Insurance Companies? 
This is a great topic for one peculiar reason . Many folks in the US have forced placed insurance . This is the mortgage company taking over responsibility for securing coverage when you as the property owner have failed to do so . The main problem is that forced placed insurance is usually very expensive and imposed on the least educated consumers . Take charge your life and buy your insurance wherever you find the right coverage at the right price . Be as diligent in pursuit of a '' good deal '' on your homeowners insurance as you would on auto insurance . There are substantial variations in the coverages under a homeowners policy much more so than on an auto policy : here is why : Auto insurance protects you in your involvement with others so the greatest protection is for damages , Bodily injury or Property Damage that you do to others . So you are more often dealing with third party -LRB- the first party is the you , the second party is the insurer , and the third party is the one you injure -RRB- . Section II of a homeowners policy involves third party liability , but most of the property losses in general are first party payments by the insurer . Your house is hit by a tornado , Your insurer has to respond to you ! so , look at the nuances of coverages offered by insurers . They are many : including such things as scheduled property , water and sewer back up , automatic extension of dwelling limits , law and ordinance coverage , mold remediation , and so on . If you do n't understand the coverages offered ask your agent for an example of how a coverage would be used . An educated consumer is a better consumer . 