Just curious as to what happens if I change insurance companies. I purchased a property a few months ago and everything was rushed so I just went ahead and got my building and landlord insurance through my bank. I've since read the bank ones aren't that great and Terri Sheer is a good company to go through, so I think I'll change. The building insurance is pretty simple as it's obvious at the time a building burns down for example, but the landlord insurance, how will that work? My agent does six monthly inspections. If I change my insurance midway through an inspection period, and damage occurs can the insurance companies both refuse to cover me as I can't be sure exactly what time the damage took place? So should I not change over until straight after an inspection so I know for sure no damage has been done up to the date of changing over?