Why Insurance Premiums Increase While Property Value Decreases

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Customers always seem to ask insurance agents the following question: “How can it cost more to insure my home when my property value is declining?” This has been even more prevalent following the economic slump in the last few years. Values naturally tend to decline as the real estate markets slows up.  Currently homes are not selling as quickly due to a decrease in demand which lowers the competitive aspect of selling.  Homeowner’s across the country have witnessed that property values are much lower than even just a few years ago. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain why this insurance phenomena seems to occur.

With home values declining, why do home insurance rates continue to increase?

  • One of the greatest factors that determine the cost of home insurance is the replacement value of the home being insured.  The main factors that determine the replacement value of your home can vary greatly from the factors that establish your house’s market value.  Replacement value of a home is the cost that it would take to rebuild your home with current construction costs and material prices. Simply because home values have dropped does not mean that building costs have dropped, therefore it may cost more to rebuild a home than it would sell for on the market.
  • Severe weather events have taken the country by storm over the past few years.  This has caused insurers to have to pick up the tab for many homeowners who have filed claims.  If the area you live in is prone to hurricanes, tornadoes, or floods will likely see an increase in their rates.
  • Another factor that seems to drive up insurance rates is insurance fraud.  Insurance companies continually rack up losses due to this unfortunate occurrence.  These losses are reflected in the companies’ premiums and therefore affect the consumer. It was said in 2006 that almost $80 billion was lost due to insurance fraud in the United States.

There are a few things you can do in order to decrease the cost of your homeowner’s insurance such as installing burglar alarms and other protective installations around the home.  Many homeowners feel the discounts received for these modifications outweigh the cost of installation, making them a fine investment. If you are a homeowner in Nassau or Suffolk County on Long Island, New York, and are interested in attaining an insurance policy , Contact Gregg S. Marcus today  for a quote.

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