I switched homeowner's insurance only two times in 16 years. The first time was because the rates increase so much monthly that it affected my budget drastically. The second time was because of the service that I received from the agency was confusing and created so many problems that I feared it would be cancelled. This is why I ask the question have you ever switched homeowner's insurance. There was so much information that was not explained initially that being a first time homeowner I felt I should have been told. I didn't know that some insurance companies require an inspection. It sounds reasonable enough but not after I've paid my premium and then a month later my policy was cancelled because of that inspection that I wasn't informed about and took place without my knowledge. It costs me more to have it reinstated so in my efforts to find affordable insurance I didn't succeed. Before my six months was up I was again in the market for homeowner's insurance. With all the problems that I had experienced I felt I was better prepared with questions, one of which referred to home inspections.