How long is a home insurance quote good for?

Kin quotes are good for up to 60 days.

A young woman sitting on the floor in the living room smiling as she gets a home insurance quote

When you get a homeowners insurance quote from us, it’s valid for up to 60 days. This assumes that the application was filled out completely and accurately and that no changes to a home’s attributes like roof age and construction type occurred during that period.

Here are some important aspects about home insurance quotes:

  • A homeowners insurance quote is a proposal to insure a specific home or property at desired levels. 

  • Quotes are frequently based on factors like the size and age of a home, building materials, location, and more.

  • It’s important to note that a quote is a proposal to insure. The insurer may adjust the quote after further investigation.

The purpose of a discovery period

Even after accepting a home insurance quote, your premium may still be subject to change during the policy’s discovery period. This is a period when an insurer’s underwriting department conducts a thorough investigation of your application, and it may range from 30 to 120 days, depending on your state.

The aim is to better assess the risks involved and ensure that you’re charged the appropriate rate while maintaining overall lower costs. During this time, your insurer may request repairs or upgrades be made to a house before issuing a policy.

Getting a homeowners insurance quote

If you are looking to update your home insurance policy or you have further questions, reach out to us, and we will be happy to help.


Related Posts:Get more answers