recently widowed, will my home insurance go up?

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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...

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UPDATED: Feb 6, 2013

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Insurance Question from Bon Aqua, TN

Asked on 02/06/2013

recently widowed, will my home insurance go up? my husband passed last year. now it's just me in the house, no kids. will my homeowners insurance go up, down or stay the same.

Answer given on February 06, 2013

In homeowner insurance, marital status does not affect the rates for your insurance. The premiums are based on the value of the home, your loss record and any discounts that you may qualify for.If you have an agent, call them to go over the insurance that you have. There may be some things you can adjust that might reduce your insurance costs. they could also review the insurance coverages so that you understand how the homeowner policy works and how it will protect you. They can also review the payment process that you have set up. If you need to amend the payment process, let them know. They can offer installments or paid in full.They can also help you decide if your current insurance coverage is adequate or any adjustments are needed. You should meet with your agent at least every two years so you can be sure your insurance is up to date. Your agent is there to work with you, use them as an asset.

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