1. 2210 POINTS
    Brenda Hanson
    Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
    You can change Homeowners policy at anytime. Even if the home is Escrowed. What typically happens is if you  cancel a policy mid term you will get a refund that will usually be sent to you. What you need to do with that refund is place it back into your escrow account so your escrow can pay for the new policy.
    Answered on July 1, 2013
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