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Why does my insurance company care if I have vaulted ceilings?
Does having vaulted ceilings increase the rate of my insurance policy? I am shopping around for a new homeowner's policy and noticed that every company inquires about my ceilings. They are cathedral ceilings, approximately 15' high. Can this make my policy cost more?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Having cathedral or vaulted ceilings may slightly increase the rate of your insurance policy.
The dwelling portion of a homeowners insurance policy covers the replacement cost of the primary structure. Since a cathedral ceilings use more materials than a standard ceiling, it will cost more to replace.
Between materials and labor, the cost of a cathedral ceiling is around $18,000. This seems like a lot, but if your dwelling coverage is $300,000, $18,000 more will not increase the premium that much.
You will want to answer any questions about your home honestly to make sure you are adequately covered. Be sure to include things, like:
- high-end appliances
- upgraded kitchens
- upgraded bathrooms
If you don’t include these, there is a chance you will end up with builder’s grade replacement if there is a loss.
If you are questioning the cost of your insurance policy, it is time to re-shop both your
home and auto insurance
policies. By bundling your auto and home insurance, you can save with a multi-line discount. Use the free
Jerry
app to help make this happen! Jerry collects auto and home quotes from over 50 companies and brings the lowest available rates right to your phone.”View full answer
- Gregory R.
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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