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Is it ok to switch my home insurance in the middle of the year even if it is in escrow?

Yes… Normally your mortgage company will cut more than one insurance check a year. You should expect an increase in your monthly payment since your escrow account will be out of balance or the premium you get back from your canceled policy will need to be put back into your escrow account to replenish your escrow fund. Normally if you save on your home insurance your payment will be reduced by the mortgage company.

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