Q: I am actively looking to buy a house right now. Will it cost less to insure a newer home compared to an older one?

November 16, 2018


The current housing market is very active. Many factors are considered when providing a homeowner’s insurance quote. These factors include but are not limited to:

  • Location and age of the home
  • Size of the home and particular features
  • The client’s insurance score
  • The client’s age and claim history

With a new construction home purchase, there may be benefits and discounts automatically included; however, that does not necessarily mean that the cost of insurance will be less than purchasing an older home. Because there are many contributing factors and details for each home and each client, the best option is to discuss details with your agent. Your agent will run a quote and replacement cost estimator specific to that home and to your individual needs.

Answered by:

Christine Otto

Account Manager

18 years’ insurance experience, 8 years at BHS Insurance

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