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 provided by
Alexah Grinnell
Answered on Mar 05, 2021
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.

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