Are there any company's that offer home owners insurance with monthly payments instead of one lump sum?

Most companies will allow you to pay monthly. Ask your insurance agent for details.

Yes, but you usually have to pay 2-3 months for a down payment.

Usually the ONLY time you need to do the lump sum, is when you're closing on a house, and the insurance is going to be escrowed. Then, it's not the INSURANCE company that makes you pay in full, it's the LENDER.


OH, one exception - if you're buying flood insurance, it MUST be paid in full. That's a FEMA rule. If you're getting it through your state FAIR plan, or state Windstorm plan, then you MUST pay in full. If it's high risk, surplus lines kinda homeowners, you MUST pay in full.

But I don't know of ANY homeowners insurance companies that DON'T offer payment plans.