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Can you change home insurance before renewal?
My home insurance policy won’t renew for a while, but there are some coverage gaps in my current policy that I want to update as soon as possible. Can you change home insurance before renewal?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If you’re aware of coverage gaps in your homeowners insurance policy, it’s a good idea to look into new coverage options. You can change your home insurance policy at any time, but you may have to pay a fee for doing so before the end of your term.
Homeowners insurance
policies typically renew once a year. If you can’t remember when your renewal deadline is, check your insurance declaration page. As you search for a new policy, you should verify it has your mortgage lender’s minimum coverage requirements. Once you’ve made your new pick, remember to inform your mortgage lender, too.
One last thing to remember: don’t cancel your current policy until your new home insurance policy is in effect. You don’t want your home to be without coverage in the meantime.
If you want to simplify the process of shopping for new insurance quotes, just use
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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