home owners insurance costs

Home Owners Insurance refund policy?
I'm looking to get a policy of homeowners with Homesite. They require a 25% down payment initial and monthly payments. I'm thinking I might want to change policies in 2 or 3 months. If I cancel will I be charged anything beyond the monthly cost, ie termination or the creation of a fee. I looked for information on the website but have no details of the contract there.
Find out what% of the premium is "minimal cattle" and ask about short rate cancellation fee. If your agent show you where singing is written in the script after dont sign anything. This is something I've seen too often, staff are not sure, so guess and ends up being bad. Also …. Homesite is a nightmare! Be careful, I have had problems in the past woith so far this service. You may want to look a little more …. remember you get what you pay. Not all policies are the same. HO policies should have a good amount of "loss of use coverage", plus the cost of replacement housing and replacement cost in content. Also check on claims covered, Mor importantly, the dangers not covered.