Agent of record · Not a cancellation
Changing the agent while keeping the same insurance company is usually a broker-of-record letter, not a cancel. The coverage stays the contract you already have. The company has to accept the change, and this page will not promise a lower price.
The policy is a contract with the insurance company. The agent is the person or agency the company recognizes on that contract. A broker-of-record letter asks the company to name a new agent for servicing, billing questions, and the next renewal. It does not rewrite the declarations. Limits, deductibles, and exclusions stay put until an endorsement or a renewal changes them. Canceling to “move the agent” is a different act. Mid-term cancellation ends coverage early. If the new policy is not bound first, that gap is a lapse. Bind so the dates overlap, then cancel, and only when you are actually changing companies.
The contracts people usually mean: Texas homeowners and Texas car insurance. Questions for the state, not a rewrite of your policy: TDI for consumers.
