{"id":831,"date":"2018-05-01T13:18:57","date_gmt":"2018-05-01T17:18:57","guid":{"rendered":"https:\/\/www.protectiveagency.com\/blog\/?p=831"},"modified":"2024-02-25T17:06:21","modified_gmt":"2024-02-25T21:06:21","slug":"how-to-switch-homeowners-insurance-policies","status":"publish","type":"post","link":"https:\/\/www.protectiveagency.com\/blog\/how-to-switch-homeowners-insurance-policies\/","title":{"rendered":"How To Switch Homeowners Insurance Policies?"},"content":{"rendered":"

There comes a time when enough is enough. Your current homeowner\u2019s insurance company is once again raising your rates, you have experienced poor customer service when you filed a claim, or your agent is not available when you need them. In most cases, you have the right to switch your home insurance carrier. Don\u2019t assume you are married to your insurer for the life of your mortgage. If you are unhappy, it may be time to consider switching.<\/p>\n

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When You Should Switch<\/h4>\n

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The longer you are with your homeowner\u2019s insurance company; you begin to develop a bit of loyalty, especially when it comes to your premiums. If those promises fail to materialize, it\u2019s time to shop around. Homeowners often look to switch companies to:<\/p>\n

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Save money.<\/em><\/strong> -This benefit can come in many forms. Perhaps you find a friend or neighbor is paying less than you are and you have relatively the same home. You inquire and find that you would save money<\/a> by obtaining a policy through the other insurer.<\/p>\n

Another way would be that you have your auto policy through a competitor. If you were to bundle your auto and home insurance, you could save money. If you find that your home insurer\u2019s rate is higher than the competition, then you would switch.<\/p>\n

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Gain coverage unavailable with your current carrier<\/em><\/strong>. -If you make additions to your home and your current company denies your request to increase coverage levels, find one who will. Or if the situation changes in your home to where you need less coverage, and you were declined a decrease, you would want to seek a better rate from another company.<\/p>\n

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Move into a new home<\/em><\/strong>. \u2013A new home is always a good time to examine your policy to see if you need the same level of coverage you had in your old home. Make the necessary adjustments and follow the steps you need to take to switch insurers.<\/p>\n

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Steps to Take<\/h4>\n

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There are many reasons you would want to switch insurance companies. A company can promise to be by your side or tell you that you are in good hands, but if they do not live up to your expectations, there are steps you can take to find the company that will meet your needs<\/a>.<\/p>\n

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