How to switch home insurance

Switching insurers is straightforward if U do it in the right order. Here is how to avoid a coverage gap or a cancellation fee surprise.

By the InsuranU team Updated July 20264 min read

Switching home insurers is common, and simple, as long as U line up the new policy before canceling the old one.

Line up the new policy first

Get your new policy active, with the same or better coverage, before canceling the old one. A gap in coverage, even a day, is not worth the risk.

Some insurers charge a short-rate penalty for canceling mid-term. Ask before U switch so there are no surprises.

If U have a mortgage, your lender needs proof of the new policy, since they require continuous coverage.

Compare matched options in a few minutes. It is free and there is no obligation.

Look past price to claims service and financial strength.

What your mortgage lender actually needs to see.

See the real ranges, with a live estimator.

Will I get a refund from my old insurer?

Usually a prorated refund for the unused portion, sometimes minus a short-rate fee.

How long does switching take?

Often same-day once U have a new quote U are happy with.

Tell us about your home and your life. We will match you with quotes built around U.