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?

Answer

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.

Savannah Grabek

Answered on Mar 01, 2021

Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.

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