Switching Homeowners Insurance Companies

You are allowed to switch home insurance companies at any time. Start switching homeowners insurance companies today by comparing quotes and policies online with our free tool below. If you aren’t pleased with your current provider, comparing home insurance quotes online is the easiest way to find a new, more affordable insurance company to work with. Enter your ZIP code below to get started.

Free Insurance Comparison

 Secured with SHA-256 Encryption

Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

Full Bio →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

If you are having problems with your home insurance company or simply want to look for lower rates, it is your right to do so. You can change insurance companies and policies any time you want, provided you follow the correct procedure. Start by comparing rates and policies, and follow these other steps to switch home insurance painlessly.

Shop online. By using our quote form that offers free insurance quotes online, you can compare the prices between leading insurance companies from one location. That means you are able find the best coverage at the lowest price in the least amount of time. The key is getting online quotes that compare rates, instead of simply getting a single standalone rate without any basis for comparison.

Once you have found a company or two with good rates, check them out each company’s insurance ratings from companies such as A.M. Best or Fitch’s. These companies look at the financial stability of insurance companies, both in the short and long terms. Since home insurance is a policy that you will probably have for many years, the long term financial outlook of a company should be an important concern. Simply put, getting good rates will not help if your insurance company is in dire financial straits and may go out of business.

Read insurance company reviews. User submitted reviews can help you determine how the company will treat you once you become a customer, how they will handle claims and if their rates are really the lowest.

Once you have chosen a stable insurance company, apply for coverage. This process will be similar but slightly different for each company. Make sure that you fill the application out completely and honestly. If you give the insurance company false information, they could cancel your policy or deny a claim when the misrepresentation comes to light. Insurance companies take fraud very seriously, and there could be severe legal and financial implications if you decide to fudge the facts.

Cancel your current coverage. Most insurance companies require notification of intent to cancel at least one billing cycle before the desired cancel date, but actually ending the coverage is simple. Once the insurance company has been notified, you will need to notify your mortgage company of the new policy. That’s it, and you’ll be safely covered under your new insurance.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption