Can I Transfer Home Insurance? 
Your current Homowners Insurance policy is specific to your home that you live in right now and can not be transferred . The premium that you pay for Home insurance is based on factors such as : square footage , age of the home , construction type , neighborhood , number of rooms , and quality of kitchens and bathrooms -LRB- as these are usually the most expensive to replace in a total loss -RRB- . The insurance company will give you a full refund of what they call `` unearned premium '' . Basically , they will refund you on a pro-rated basis all the money that you have paid that you have n't received insurance for . You can then roll that money into your new policy . 