How soon can I make a claim after purchasing home insurance?

I'm in the process of getting a new homeowners policy. How soon can I file a claim on this policy?

Answer

You can file a claim immediately after the homeowners insurance becomes effective, as long as it’s due to an event that occurred after the policy came into effect. For example, if you have a fire in your home on January 15 and start a new homeowners policy on January 16, the fire is not going to be covered. Insurance companies will investigate claims thoroughly if they are made not long after a policy starts to avoid fraud.

Alexah Grinnell

Answered on Mar 05, 2021

Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

How soon during the home closing process should I purchase insurance?

I've never purchased a property before, so I don't know when insurance is supposed to come into play. When should I buy a policy?

Alexah Grinnell

How do I make a home insurance claim?

I'm a first-time homeowner, and luckily, I've never had to make a home insurance claim before. Sadly, last month, my hometown was hit by a series of thunderstorms, and the wind was so strong it actually destroyed part of my roof. How do I file a claim to get this covered?

Savannah Grabek

How soon after moving should you change your address with your insurance company?

I recently moved from Kentucky to New York. Before I moved, I got a quote for auto insurance and was shocked at how expensive it was! I have been here for a few weeks now and was wondering how long I have until I have to change the address? I want to save as much money as possible for as long as I can.

Does Homeowners Insurance Cover Riding Lawnmowers?

Homeowner's insurance only covers riding lawn mowers in certain situations, but homeowners can expand their policy to include more items and coverage.

How to Add an Interested Party to Renters Insurance

If you own renters insurance, you should consider adding an interested party to your policy to be informed whenever you cancel, renew, or modify it.

Will Your Renters Insurance Go up if You File a Claim?

If you need to file a claim with your renters insurance, will it impact future policy rates?

Read advice from car experts at Jerry

What others are asking

Can I take a test drive without my own insurance in Wisconsin?

I want to buy a car to get to work and moonlight for Uber on the side. Right now I don't have a car or insurance. Can I test drive a car without my own insurance?

If I get car insurance after an accident to report my coverage details to police, will I avoid being penalized for driving uninsured?

I offered to pay out of pocket after an accident since I don't have insurance, but the other driver insisted on calling police. The officer said he'd mail me a form to fill out with my insurance details. If I get insurance now and fill out the form, will I avoid penalties for driving uninsured?

Savannah Grabek

Where can I get instant approval for car loans?

I'd like to get instant approval for a loan since I need a car ASAP. Where can I get such a loan?

Browse All Questions

Easiest way to compare and buy car insurance

No long forms

No spam or unwanted phone calls

Quotes from top insurance companies

Find insurance savings — it's 100% free

Compare Car Insurance for Your State

Car insurance quotes in California

Car insurance quotes in Alaska

Car insurance quotes in Connecticut

Car insurance quotes in Michigan

Car insurance quotes in Oklahoma

Resources

Car Insurance by Make

Car Insurance by State

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Never overpay for car insurance

Jerry automatically shops for your insurance before every renewal. Members save $872/year.

Close Signup Banner