Can You Change Your Home Insurance Anytime

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Written by Cate Deventer Written by Cate DeventerArrow Right Senior Writer & Editor, Insurance Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as an insurance agent dismissed Connect with Cate Deventer on Twitter Twitter Connect with Cate Deventer on LinkedIn Linkedin Cate Deventer

Can You Change Your Home Insurance Anytime

Edited by Lisa McArdle Edited by Lisa McArdleArrow Right Editor, Insurance Lisa McArdle is an insurance editor who joined the team in 2023. She has over 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news. and pop culture. Connect with Lisa McArdle on LinkedIn Linkedin Lisa McArdle

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There are many reasons why homeowners look to change insurance providers. Some are looking for a more affordable insurance premium, while others may need additional benefits or better customer service. If you pay your home insurance premium through an escrow account, don’t let the thought of a little extra paperwork keep you from getting the home insurance policy you’re most comfortable with. The insurance editorial team has put together six simple steps to switch home insurance with an escrow account.

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When you have a mortgage loan account, a portion of your monthly mortgage payment goes towards your home insurance premium. Essentially, you pay one month of your annual homeowners insurance premium to your mortgage company every month. The amount is then held in your escrow account. The money accumulates until the renewal of your insurance policy, and then your mortgage lender makes a payment for the full amount to your home insurance company.

In September 2022, the average monthly mortgage payment was $1,941, according to the Mortgage Bankers Association. Mortgage rates are on the rise, which means monthly payments will likely be higher. If you have an escrow account for your insurance and/or property taxes, you should take this into consideration when budgeting.

If you have an escrow account, changing your home insurance company can be a little more complex than if you own your entire home. It is always your choice to find the best home insurance company for you, however; a mortgage lender may not require you to insure your home with any specific company. Here are some scenarios when you may want to consider moving your home policy to a new insurance company, even if you have an escrow account:

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Remember that regardless of your escrow account status, you can always change insurance companies. We will show you how in six steps, below.

Paying your home insurance through escrow can be convenient, but if you want to change insurance providers, things can get a little complicated. You need to make sure that your mortgage lender knows which insurance company to send your payment to. Otherwise, your premium could go to the wrong carrier causing a lapse in your home insurance coverage. While you and your insurance agent can rectify the situation, it can cause your mortgage payments to increase dramatically over the next 12 months if an escrow default occurs. You can always change carrier, you just need to be aware of the steps to take.

If you want to change owners insurance companies, your first step is to shop. Understand your coverage needs, budget and features you’re looking for (such as a certain discount or mobile app) and search companies that might suit your situation. Once you have the quotes and choose a company, you can move on to the next step.

Before you buy your new policy, you need to know exactly

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