I know things like age and gender affect car insurance rates, but do they affect how much I pay for home insurance?

I'm a guy in my 20s, so I'm sure insurance companies view me as higher-risk. Will this affect my home insurance premiums?

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Savannah Grabek
Answered on Mar 01, 2021
Age and gender typically do not play a role in deciding your home insurance premiums. Instead, home insurance carriers look at your credit-based insurance score reports to determine the premium for your policy. Furthermore, any lapses in coverage, missed payments, and some other factors play more of a role in determining home insurance premiums.
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