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Can home insurance be transferred to a new owner?

I’m in the process of selling my house. The buyer asked if I’d be able to transfer my home insurance policy over to him. Can you transfer home insurance policies to the new owner?

Jack Walsh · Updated on Jan 28, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

Congratulations on finding a buyer for your house! I’m sure you must be relieved and excited for the next chapter.

In short, no, home insurance cannot be transferred to a new owner because insurance providers rate each policy on a case-by-case basis. If you remove your name from your home insurance policy, your policy would cancel, meaning the new owner has to apply for their own insurance policy.

Besides the location and value of the house, insurers use many unique factors to determine your

rate, such as:

Amount of coverage

Credit history

Claim history

Marital status

Deductible

Age

While you can’t transfer the policy to the buyer, you can help them out by suggesting they use

to avoid overpaying for coverage. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to

MORE:

Home insurance terms you need to know

View full answer

WHY YOU CAN TRUST JERRY

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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