Considerations for Insuring Your New House

By The Team at Advantage Insurance • 06/20/2025

Understanding the Key Factors in Home Insurance

When you buy a new house, safeguarding it with the right insurance coverage is essential. Several important factors can influence your home insurance policy's scope, cost, and applicability. By examining these factors, you establish a solid foundation for your home's protection.

Roof Age and Condition

One of the first elements insurers look at is the age and condition of your roof. An older roof or one that is in poor condition can increase your insurance premiums due to the higher likelihood of damage leading to claims. Consider upgrading your roof or ensuring its maintenance to potentially reduce your premiums.

Defensible Space for Fire Safety

The defensible space around your property is crucial, especially in fire-prone areas. Having clear space devoid of combustible materials can not only protect your home by minimizing fire risks but also result in lower insurance costs. This proactive measure is part of comprehensive risk reduction considered by insurers.

Type of Plumbing System

The type and age of your plumbing system also play a significant role in determining insurance costs. Older plumbing systems, especially those made from outdated materials like lead or galvanic pipes, can increase risk of leaks and water damage. Upgrading your plumbing system can mitigate these risks and potentially lower your insurance costs.

Overall Home Condition and Safety Features

Beyond the components mentioned, the overall condition of your house and the safety features it possesses can affect your insurance. Installing systems such as smoke detectors, burglar alarms, and robust locks can make your home safer, leading to potential discounts on your policy.

Final Thoughts on Home Insurance Planning

While purchasing insurance, consider these factors carefully. Addressing them not only enhances your safety and peace of mind but can also optimize your insurance terms. Regular home maintenance and updates in these areas ensure you have adequate coverage without excessive costs.

Whether you are buying your first home or looking for a quote for your current residence, rental, vacation home, building your dream home, etc., we are here to help you! Give our friendly staff a call at 541.485.0122 or start your quote on our website. Personalized quotes require a conversation so we can help you get the right coverage.

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Advantage Insurance is a locally owned full service agency in Eugene, Oregon, licensed in the states of Oregon, Washington and Idaho. We strive to set our agency apart with a knowledgeable staff, excellent products, and exceptional service. As an independent agency we represent many companies, which enables us to match your needs with products that best suit your situation and coverage needs. We are committed to establishing a long and trusting relationship with each of our clients, through prompt, professional, and effective response to their insurance needs. Click here to contact us or request a quote.

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