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Can I have two home insurance policies?
If I get two separate home insurance policies, would I be able to file two separate claims for damage?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While it’s possible to have two insurance policies, you wouldn’t get twice the amount of coverage.
When you have two insurance policies covering the same thing, most policies have an other insurance clause. With this clause, each policy will pay no more than its share of the loss. The same goes for
car insurance
policies.When a policy is primary, it pays out up to its policy limit before any other policy will payout. A secondary policy would payout after your primary policy has exhausted its coverage or denies a claim.
Additionally, the purpose of insurance is to return you to your financial state before a loss. You shouldn’t benefit from an insurance transaction, which is why other insurance clauses exist. When you have two separate home policies, each won’t pay out the full claim amount. More likely than not, one would cover the entire claim or split coverage to both pay out the claim amount.
However, you can save money in other ways. With the
Jerry
app, you can compare quotes from top car insurers and even take advantage of their home and auto insurance bundling. It’s a great way to save money without spending excess on several insurance policies that may cancel each other out.”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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