Home » How the Architectural Style of a Home Can Affect Insurance Rates
December 29, 2023
Erick Dodge Insurance

How the Architectural Style of a Home Can Affect Insurance Rates

Regarding homeownership, insurance is a crucial aspect that provides protection and peace of mind. While factors such as location, crime rates and weather patterns are commonly known to influence insurance premiums, the architecture of a home should not be overlooked, as many architectural details may impact costs.

Construction Materials

The materials used in constructing a home can play a pivotal role in determining insurance rates. Homes built with fire-resistant materials like brick or concrete are generally considered lower risk. In contrast, houses made with highly flammable materials like wood may face higher premiums due to the increased risk of fire damage. Insurance companies carefully evaluate the susceptibility of a home to various hazards, and the choice of construction materials can sway these calculations.

Roofing Choices

The type of roofing material selected for a home may be another factor that insurers scrutinize. Insurance companies often favor roofs made from durable and fire-resistant materials, like metal or tile. These materials provide better protection against fire and have a longer lifespan, reducing the likelihood of claims for roof-related damage. On the other hand, homes with roofs made from wood shakes or asphalt shingles may face higher premiums due to increased vulnerability to fire and wind damage.

Style and Design Details

The architectural style of a home can also impact insurance rates. Homes with designs that incorporate wind-resistant features, such as reinforced windows and roofing, may be eligible for discounts. Conversely, homes with intricate designs or unconventional structures may be deemed riskier to insure, leading to higher premiums. Insurance companies assess the ease of repair and replacement, as well as the overall stability of the structure when determining rates.

Security Measures

Architectural details that enhance home security can also impact insurance rates. Features such as reinforced doors, windows with security film, and burglar alarm systems can lower the risk of theft and vandalism, leading to potential discounts on insurance premiums. Insurers appreciate homeowners who take proactive steps to secure their properties, as it reduces the likelihood of claims related to property crimes.

Get the Right Coverage

While homeowners often focus on location and property size when considering insurance rates, the architectural details of a home play a crucial role in shaping these costs. From construction materials and roofing choices to architectural style and security measures, every detail may contribute to the overall risk assessment made by insurance companies.

Having served homeowners, families and individuals for over two decades, the dedicated team at Erick Dodge Insurance has the knowledge and experience necessary to help you understand your homeowners insurance options and acquire appropriate coverage at ideal rates. Visit our website or call 903-248-5000 today to learn more.


This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.


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