Can I switch to Goodcover if I already have renters insurance?
You can switch to Goodcover before your current renters insurance term ends. Coordinate the effective and cancellation dates carefully to avoid a coverage gap, and check how your former insurer will calculate any refund.
Yes. You can switch to Goodcover even if your current renters insurance policy has not reached the end of its term.
The important part is coordinating the dates so your old policy does not end before your Goodcover coverage begins.
Start the Goodcover policy before ending the old one
Get your Goodcover coverage in place and confirm its effective date before canceling your current policy.
Insurance effective dates and times matter. Verify them with both insurers so you avoid a gap in coverage and unnecessary overlap. Do not assume that purchasing a new policy automatically cancels the old one.
Provide your current policy details
If you already have a Goodcover account, submit your old policy information from your dashboard. If you cannot access your dashboard, email support@goodcover.com for help.
Keep any cancellation confirmation from your former insurer for your records.
What happens to premium you already paid?
Your former insurer generally returns the unused, or unearned, portion of your premium after the old policy is canceled. This can also apply if you paid the full policy term in advance.
The former insurer calculates the refund under its policy terms and applicable state rules. The final amount may be affected by:
- The cancellation effective date
- Premium already earned while coverage was active
- Policy or installment fees
- Any applicable minimum earned premium
- Other terms of the former policy
Ask the former insurer how the refund will be calculated and when it will be issued. For an explanation of these terms, see Are there any fees associated with my policy?.
Update anyone who tracks your coverage
If your landlord, property manager, or another interested party needs proof of renters insurance, provide the new Goodcover policy documents after coverage begins.
Do not rely on the former insurer's proof of coverage after that policy has been canceled.
Switching checklist
- Get a Goodcover quote and review the coverage, limits, deductible, and effective date.
- Provide the requested details about your current policy.
- Confirm when the Goodcover policy becomes active.
- Coordinate cancellation of the former policy without creating a gap.
- Save the former insurer's cancellation confirmation.
- Check the former insurer's refund calculation.
- Send updated proof of insurance to your landlord or other interested party, if required.
For help coordinating the switch, contact Goodcover at support@goodcover.com or 1-855-231-4663.
Frequently asked questions
Can I switch renters insurance companies before my policy expires?
Yes. You can switch to Goodcover during your current policy term. Coordinate the new policy's effective date with the old policy's cancellation date so your coverage does not lapse.
Should I cancel my old policy before buying a Goodcover policy?
Do not create a coverage gap. Confirm that your Goodcover policy is active for the intended date before your previous coverage ends, and verify the effective times and dates with both insurers.
Will my former insurer refund the unused premium?
Your former insurer generally returns the unearned portion of the premium after cancellation, including when an annual policy was paid in full. The amount depends on that policy's terms and applicable state rules; fees or a minimum earned premium may affect the refund.
What information does Goodcover need to help with the switch?
Provide the details of your current renters insurance policy when you join, including the insurer and policy information requested during signup. This allows Goodcover's Member Experience team to help coordinate the transition.
What if I already joined Goodcover without entering my old policy information?
If you already have a Goodcover account, submit your old policy information at https://dash.goodcover.com/dashboard/request-lpr. If you cannot access your dashboard, email support@goodcover.com for help.