Changing your homeowner’s insurance policy is actually an easy process. Considering our office takes care of switching your mortgage escrow and cancelling your prior insurance, the ONLY thing that anyone could possibly say is difficult about changing homeowners insurance is getting through inspection. For the most part, if you keep up with regular home maintenance, your house should pass inspection without any issues- and usually if there ARE issues, we can work with you to fix those, if you are willing. But realize, when you switch to a new insurance company- a new company is coming through to evaluate your risk- and this is a new set of eyes. If you haven’t changed insurance companies in 20 years- this may be the first time a new set of eyes has looked at it for risks in those 20 years.