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Can an insurance company refuse to insure your home?
I’m looking for a homeowners policy for my first home, but it’s an older home. I’m worried about being denied coverage because I’ve heard older homes are harder to insure. Can an insurance company refuse to insure a home?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on buying a home; that’s an exciting milestone!
Unfortunately, you are right, finding
home insurance
for older homes can be a bit tricky. Insurance companies like to protect their financial interests and do not like situations with higher risk levels.Insurance companies can refuse to insure homes for many reasons, but if you’re denied coverage it usually means there is high risk. High risk means a high probability of insurance claims and therefore higher payouts. The risk for the insurance company is paying out more for your claims than they receive in your insurance premiums.
Want to make sure you get the coverage you need at a price you want?
Jerry
can help. Download the app and answer a few questions to receive competitive quotes in less than a minute. Jerry handles all the paperwork to get you signed up with your new policy, and can even help you cancel your existing one!View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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