Can I transfer my homeowner’s from one house to another

Buying a new house

If you are not a first-time buyer and are in the process of buying a new home and selling your old one, you may ask yourself, can I transfer my homeowner’s insurance from one house to the next.

This is a great question, for a few reasons.

  1. Most of the time when you are buying a home and selling another one, you are doing it on the same day. You would think it makes sense that they would allow you to switch.
  2. That is what happens when you buy a new car. You endorse your auto insurance policy to transfer vehicles.

Unfortunately, the quick answer is no, but lets breakdown a few of the reasons why and some tips on making sure you go through the process correctly.

Transferring insurance from house to house

The reason that transferring your homeowner’s insurance from one house to the next is because each house is rated and covered differently using the characteristics of that house.

Most insurance companies cannot make the transfer without leaving coverage gaps and also incorrect insurance rated premiums.

Major factors like the age of the house, size of the house, and style of the house all play huge roles in developing your homeowner’s insurance premiums and coverage.

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How do I get new home insurance?

Like most homeowner’s you may have your current homeowner’s insurance packaged with your auto insurance policies.

Each insurance company is different but they will all have some option to make sure your package does not get broken up in the event you are selling a house and buying a new one.

Reach out to your insurance agent to find out the best course of action to write a new policy, cancel the old policy, and prevent gaps or lapses in coverage. Also when purchasing a new home, your current home insurance company might not be the best for that house, just because it was for your old one.

Make sure you are using an independent insurance agent who can provide options for you to make sure you have the right coverage and the most competitive price.

If you don’t know an agent or want a review of your insurance, then click below to learn more about how to talk to one of our trusted insurance advisors.



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