When Can You Change Home Insurance? 
Home Insurance can be changed at any time . A homeowner can cancel his or her insurance at any time and purchase a policy from another carrier . The unearned portion of paid premium will be returned to the Insured in an expeditious manner . A bank or mortgage company is not permitted to require a homeowner to purchase insurance from any specific insurance company . For homes not insurable under Preferred Home Insurance Programs , there are some Sub-Standard Programs which will accept homes which are not in the best of repair or which are declared a high risk to carriers , in the absence of an insurance market for the home , most States have a Fair Plan which will accept the risk sometimes on a Fire Only basis . There is a link available providing an online format to obtain a quote and buy home insurance online in multiple States ; it may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK 