What Impacts Your Insurance Rates When You Purchase in Atlanta?


        

Today we have Alex Knapp with us from The Rhoads Group to discuss how insurance rates are determined when buying a new home. This is great information for those looking to sell their home. Alex will be discussing a few different things that can affect your insurance rates for buyers.
  • FICO Score: This is your insurance score, and this has the most impact on what your premium will be. This is not the same as your credit score, and your FICO score can be great while your credit score may be lackluster.
  • There are many other things that can affect your insurance rate, and one of them that nobody thinks about is the age of the roof on a home you currently live in or one that you plan on living in. Your claims history can also be a big factor in determining your insurance rate. If you have an extensive history of loss, you may be dealt a pretty high rate. 
    • Be aware that Atlas Chalet shingles have been recalled and that this could significantly affect your FICO score if they were used to build your roof. Most insurance companies will not insure you if you're buying a home with these shingles. Chalet shingles impact both sellers and buyers- it is important to know your options, more importantly, to have proper representation to protect your wallet. 
If you would like to contact Alex, he can be reached most easily at (678) 697-1908. We highly recommend Alex because he provides great customer service and he's dedicated to helping his clients. 
As always, if you're looking to buy, sell, or invest in Atlanta real estate, please don't hesitate to give me a call at 678-428-5841.

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