Once you've fully ascertained that you can switch policies, it's time to look for a coverage that suits your needs. This includes finding a policy that's within budget, but that also covers all the types of perils that your home could be exposed to. At the very least, you should look into vandalism insurance, fire insurance, flood insurance, as well as other forms of basic coverage. If you live in a humid area, getting a mold insurance waiver is a smart idea, too. Additionally, you should look into your liability coverage, just in case someone gets injured at your home. Talk to agents to find out what your coverage should include, and then pick a policy with a company you feel will provide the right service for you. Not sure whether they'll deliver? Check out their reviews online.