Royster says while Liberty Mutual had the best price, she says only after making the switch did a representative with the company inform her that in order to keep coverage she had to trim branches touching the roof on her home, fix the shed, and take care of the chipping paint within 60 days. The quotes to fix the items in question costs more than $4,000.
"It's going to cost $4,000 to get the house painted and $400 to get tree limbs cut back," she said. "What would happen if this happened to someone who didn't have the resources to tap into, to have these repairs, someone could lose their home."
Royster admits her house needs to be painted, but she says she didn't think it's something that needed to be done right away to keep her home insurance.
"I stewed about it for a while and I talked to my mom and said what can I do and she said call the Troubleshooter," Royster said.
ABC11 Eyewitness News got in touch with Liberty Mutual, and Royster got a call soon after from a Liberty Mutual rep, who has given her until her renewal date of next May to make all the necessary repairs.
While Royster says she is happy for the extended time, she does have advice for others.
"If you're ever interested in switching homeowners, make sure an inspection is done before you cancel," she said.
Before signing up with any insurance company, ask if an inspector needs to look at your home and if so, do that inspection before making the switch so you'll know if there's any changes you'll have to make to get that coverage at that price.
Meanwhile, a rep with Liberty Mutual tells ABC11 that they don't comment on issues involving their policy holder's.