Yes. In Washington you can usually switch car or home insurance any time, not just at renewal. The key is order: start the new policy first, confirm it’s active, then cancel the old one effective the same day so you never have a gap. Your old company will tell you how any refund is figured. See how we shop car insurance in Wenatchee.
https://www.bhifs.com/insurance-quotes.html
How do I switch without a coverage gap?
- Compare quotes and pick the new policy.
- Choose a start date and get proof of the new policy (ID cards or declarations page).
- If you have a mortgage, send the new home policy to your lender, or let us do it, so the escrow account pays the right company.
- Contact your old company and ask to cancel effective the new policy’s start date. Get the cancellation in writing.
- Watch for the refund or final bill.
Will I get a refund?
Often, if you paid ahead. Each company’s policy terms say how refunds are figured, and some charge a cancellation fee. Ask your current company before you cancel.
Why does a gap matter?
- Washington law requires liability insurance or another form of financial responsibility to drive. Driving uninsured can bring a ticket.
- A gap on your record can affect the rates some companies offer you later.
- Mortgage lenders can place their own coverage on a home if your policy lapses, and that coverage is often more limited and more expensive.
Is switching right for me?
That’s your call. Things to weigh include price, coverage differences, deductibles, and any claim that’s still open. We can lay the options side by side. We won’t tell you to cancel.
How do I get a quote?
Start online, call 509-293-7500 Monday–Friday, 9 a.m.–5 p.m., or stop by our office at 12 S Wenatchee Ave in Wenatchee. We’ll ask about your home, vehicles, drivers and current policy, then come back with options from several insurance companies.
https://www.bhifs.com/insurance-quotes.html
Related: Shopping home insurance without a gap · Shopping auto insurance
