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Can you change home insurance mid-year?
First-time homeowner here. I was talking with some of my friends about what they pay for their home insurance, and they’re all paying a lot less than me! I want to find out if I can get a better policy. Can you change home insurance mid-year?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on your first home! I’d want to know if better policy options were out there, too. You can change your home insurance policy at any time, but you may end up having to pay a fee for doing so before your term’s up.
To know for sure, you’ll want to check your policy’s cancellation terms and verify your renewal date by consulting your insurance declaration page.
As you search for a new policy, confirm it has your mortgage lender’s minimum coverage requirements. Once you’ve chosen a policy, make sure to inform your lender as well.
One last thing: don’t cancel your current policy until your new home insurance policy is officially in effect. Any lapse in coverage—even a day—will stay on your financial record.
As you’re looking for a new home insurance policy at a better price, insurance broker and comparison app
Jerry
can help you save time by gathering multiple quotes from top insurers all in one place. It takes about a minute to get started, and the average Jerry user enjoys $887 in savings a year.
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- Gregory R.
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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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