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Can you change your home insurance at any time?
I recently renewed my home insurance policy. I hadn’t reviewed my policy fully before doing so and realized I’m not covered for water backup. I want to add coverage for it, but I’m worried I won’t be able to change my policy. Could I change my home insurance at any time?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s super important to review your policy’s terms and conditions, so it’s good you realized now that you didn’t have coverage! Luckily, you can change your home insurance at any time.
That said, you can’t change or increase coverage on your policy to submit a claim. For example, if you didn’t have water backup coverage and your home sustained damage, you couldn’t add it and submit a claim right after.
Since you realized now that you don’t have the coverage you’d like, you should be able to change your home insurance policy online or by calling your provider.
Since you’ll be adding an endorsement for water backup, your rate will change. If you paid in full, you’ll likely owe an additional balance at the time of your coverage change. If you pay monthly, expect your payments to change to reflect the increase in coverage.
If you decide you’d like to switch companies, you can also do so at any time, but be aware some providers have terms surrounding cancellations. Some may charge a cancellation fee if it’s outside of your renewal period.
Once you get a price from your current insurance on water backup coverage, be sure to shop around. Rates vary between companies, so you could find a lower rate elsewhere.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app can collect quotes from top insurance companies, like Berkshire, State Auto, Safeco, and Travelers, in seconds. They even help cancel your old policy once you’ve made your pick.View full answer
- 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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