Always. You don't have to wait for your renewal date, either. Whatever happened that makes you want to switch doesn't matter. It's your home and your choice as to whom you choose to insure it. Just be sure to go about it in the correct manner. The first step is to find a new agent, one you can trust. It doesn't really matter if it's an independent agent or an agent that only writes through one company. Most good companies won't be that far apart so choose your agent first. Find one that cares and can explain everything to you and take their advice. Then you can cancel your current policy. The correct way to do this is to write them a letter requesting the policy to be cancelled and choose the effective date of the new policy. They'll cancel your policy and send you back any unused premium. This will usually take a week or so before you receive your refund check.
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You certainly can. Work with your insurance professional to arrange the easiest transfer of coverage available to you. If you pay on a monthly billing account, the process should be quite easy. If your policy is paid by an escrow account annually from your mortgage company, it is a bit more complicated but still can be done. Remember, you are never locked in. JUst be aware of the strength of teh insurance company that you have because you don't want to switch to save a buck then find out down the line that you are not covered for something that you need.
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 ( the first party is the you , the second party is the insurer,and the third party is the one you injure).
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 don'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.
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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 ( the first party is the you , the second party is the insurer,and the third party is the one you injure).
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 don'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.