If you paid for your policy with a credit or debit card and you make a change to your Better Insurance home policy that increases your annual policy premium, you'll be charged the difference instantly. If your policy change results in a lower premium, we'll refund your debit or credit card currently on file, typically within 3 business days. In rare cases, your bank or credit card issuer may be unable to process your refund and will notify us. If that’s the case, we’ll issue you a check with your refund. If you paid for your policy through escrow and you make a change to your Better Insurance home policy that increases your annual policy premium, we will bill your mortgage lender directly. If your policy change results in a lower premium, we'll issue you a check with your refund. That process can take up to 2-3 weeks.