Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Oct 17, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Logan, OH

Asked on 10/17/2011

If my home were destroyed could I rebuild my replacement home on a different location on my property. I own 46 acres of land, my home currently sits only 30 feet from the road. If it was destroyed, could I build it farther back on the property away from the road?

Answer given on October 18, 2011

Homeowner insurance policies have limitations on whether you can rebuild at a different location or not if the home is destroyed. In this case, the property is the same, but you are wanting to move the location slightly. It may be that you would be required to move the location, for a setback for building ordinance. You should talk to your agent or insurance company and see what they say about this move. Again, building ordinances may require you to adjust the location on your property, and that is usually covered in the homeowner policy. Some policies allow you to rebuild your home in any location, as long as the change of location does not affect the rebuilding costs. You should also review your insurance policy. It should clearly define the rebuilding coverage and changes to the location. After reviewing this, see if it agrees with what your agent or company told you about the reuilding rules.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.