{"id":355969,"date":"2025-11-07T11:50:22","date_gmt":"2025-11-07T16:50:22","guid":{"rendered":"https:\/\/www.reviews.com\/?p=355969"},"modified":"2025-11-07T11:50:23","modified_gmt":"2025-11-07T16:50:23","slug":"do-murders-increase-home-insurance-premiums","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/do-murders-increase-home-insurance-premiums\/","title":{"rendered":"Do Murders Increase Home Insurance Premiums?"},"content":{"rendered":"\n<p><strong>Fast facts:<\/strong><\/p>\n\n\n\n<ul><li>When a crime at your home leads to a <em>covered<\/em> insurance claim (for example, theft, vandalism, break-in damage, or remediation tied to a covered loss), any premium increase typically stems from the claim itself and local risk factors\u2014not from the crime label. Insurers price homeowners policies using location (including neighborhood burglary\/theft), construction, replacement cost, and claims history, per <a href=\"https:\/\/content.naic.org\">NAIC<\/a> and the <a href=\"https:\/\/www.iii.org\/article\/what-determines-the-cost-of-your-homeowners-insurance-premium\">Insurance Information Institute<\/a>.<\/li><li>If a crime (including a homicide) occurred under previous ownership, it generally does not change the current owner\u2019s rate; there is no \u201cmurder surcharge.\u201d However, state disclosure rules differ\u2014e.g., California requires disclosure of any on\u2011property death within the prior three years (<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?sectionNum=1710.2.&#038;lawCode=CIV\">Cal. Civ. Code \u00a71710.2<\/a>).<\/li><\/ul>\n\n\n\n<p>Across the U.S., homes tied to violent incidents are often demolished or extensively renovated to reset marketability. Evidence on stigmatized properties shows buyers frequently demand discounts and longer marketing times until the stigma fades. International market data find typical initial price impacts around 10\u201320% for \u201chaunted\u201d or death\u2011associated homes, with deeper cuts for notorious cases (<a href=\"https:\/\/www.bbc.com\/news\/world-asia-china-50222977\">BBC reporting on Hong Kong<\/a>), and double\u2011digit rent discounts that diminish after subsequent tenancies in Japan (<a href=\"https:\/\/asia.nikkei.com\">Nikkei Asia<\/a>). U.S. practice recognizes stigma as a psychological factor that can reduce demand, handled via market evidence rather than a fixed formula (<a href=\"https:\/\/www.nar.realtor\">NAR Field Guide<\/a>; <a href=\"https:\/\/www.appraisalinstitute.org\">Appraisal Institute Guide Note 9<\/a>).<\/p>\n\n\n\n<p>Buyer sentiment has also shifted with affordability pressures: a late\u20112023 Realtor.com survey found roughly two\u2011thirds of respondents would consider a \u201chaunted\u201d house, often contingent on a price discount and added protections (<a href=\"https:\/\/www.realtor.com\/news\/trends\/haunted-house-survey-2023\/\">Realtor.com survey<\/a>). Renovations, occupancy turnover, and time tend to reduce the discount as the event becomes less salient (<a href=\"https:\/\/www.appraisalinstitute.org\">Appraisal Institute<\/a>).<\/p>\n\n\n\n<p>It\u2019s a common scenario in the U.S. today.<\/p>\n\n\n\n<p>Industry and appraisal guidance reflect that psychologically impacted properties are often torn down or significantly remodeled to restore demand\u2014consistent with observed buyer behavior toward stigma and time\u2011on\u2011market (<a href=\"https:\/\/www.nar.realtor\">NAR<\/a>; <a href=\"https:\/\/www.appraisalinstitute.org\">Appraisal Institute<\/a>).<\/p>\n\n\n\n<p>\u201cMurder is a very frightful event,\u201d agrees Tyler Forte, CEO of a Nashville-based real estate brokerage called <a href=\"https:\/\/www.felixhomes.com\/\">Felix Homes<\/a>. \u201cBut there is one crucial thing people forget: murders are violent crimes, violent crimes tend to stick out like red flags in certain towns.&#8221;<\/p>\n\n\n\n<p>From an insurance standpoint, however, carriers focus on measurable, verifiable risks. Homeowners pricing reflects expected insured losses\u2014driven by factors like burglary\/theft exposure, dwelling characteristics, and prior claims\u2014not notoriety or rumors (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.iii.org\/article\/what-determines-the-cost-of-your-homeowners-insurance-premium\">III<\/a>).<\/p>\n\n\n\n<p>For victims and impacted owners, some costs that aren\u2019t insured may be offset by state Crime Victim Compensation programs, which can reimburse certain cleanup expenses for eligible violent crimes, subject to caps and rules (<a href=\"https:\/\/www.nacvcb.org\/\">National Association of Crime Victim Compensation Boards<\/a>).<\/p>\n\n\n\n<p>Columbine was a learning experience for parents in more ways than one. There were reparations to be made to the tune of $1.6 million, and the funds came from the shooters\u2019 parents\u2019 <a href=\"https:\/\/slate.com\/news-and-politics\/2001\/04\/does-your-homeowners-insurance-cover-murder.html\">homeowners insurance<\/a>.&nbsp;<\/p>\n\n\n\n<p>So what happens when murder takes place inside the home? Does that affect your homeowners insurance rate, too?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Does a Home&#8217;s Past Play Into Its Insurance Premium?<\/h2>\n\n\n\n<p>Insurers do not price a special surcharge for \u201cmurder.\u201d Rates are built on expected losses: home characteristics, replacement cost, your claims history, protective devices, and territory\u2011level experience (including burglary\/theft and vandalism). Location and crime matter insofar as they correlate with theft\/vandalism risk\u2014not because of a home\u2019s notoriety (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.iii.org\/article\/what-determines-the-cost-of-your-homeowners-insurance-premium\">III<\/a>).<\/p>\n\n\n\n<p>Recent data help explain why neighborhood conditions\u2014not a one\u2011off event\u2014affect pricing. In <a href=\"https:\/\/cde.ucr.fbi.gov\">2023 FBI national estimates<\/a>, property crime rose 7.1% versus 2022 (with burglary up and motor\u2011vehicle theft historically elevated), while violent crime fell 1.7% and murder\/nonnegligent manslaughter declined by roughly 6%. In 2024, many large cities reported further homicide decreases (<a href=\"https:\/\/counciloncj.org\">Council on Criminal Justice tracking<\/a>). Territorial rating uses these kinds of area risk signals and actual claims experience to calibrate premiums over time.<\/p>\n\n\n\n<p>Claims history still matters most at the household level: multiple claims can raise your renewal premium regardless of why a loss occurred. Insurers and regulators commonly analyze multi\u2011year experience (often about 3\u20135 years) when adjusting territory relativities, so premium shifts typically lag crime changes (<a href=\"https:\/\/counciloncj.org\">CCJ city\u2011level trend notes<\/a>).<\/p>\n\n\n\n<p>Seller disclosure of deaths and violent crimes varies sharply by state. Examples: California requires disclosure of any on\u2011property death within 3 years and provides a Megan\u2019s Law notice directing buyers to the sex\u2011offender registry (<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?sectionNum=1710.2.&#038;lawCode=CIV\">Cal. Civ. Code \u00a71710.2<\/a>; <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?sectionNum=2079.10a.&#038;lawCode=CIV\">\u00a72079.10a<\/a>). Florida and Massachusetts shield sellers from liability for not disclosing homicide\/suicide\/death or HIV\/AIDS (<a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&#038;URL=0600-0699\/0689\/Sections\/0689.25.html\">Fla. Stat. \u00a7689.25<\/a>; <a href=\"https:\/\/malegislature.gov\/Laws\/GeneralLaws\/PartI\/TitleXV\/Chapter93\/Section114\">Mass. Gen. Laws ch.93 \u00a7114<\/a>). New York similarly protects nondisclosure of psychological stigmas, though buyers may inquire in writing (<a href=\"https:\/\/www.nysenate.gov\/legislation\/laws\/RPP\/443-A\">NY RPP \u00a7443\u2011a<\/a>). Minnesota explicitly lists \u201cperceived paranormal activity\u201d as not requiring disclosure (<a href=\"https:\/\/www.revisor.mn.gov\/statutes\/cite\/513.56\">Minn. Stat. \u00a7513.56<\/a>). Texas does not require disclosure of deaths by natural causes, suicide, or accidents unrelated to property condition (<a href=\"https:\/\/statutes.capitol.texas.gov\/Docs\/PR\/htm\/PR.5.htm#5.008\">Tex. Prop. Code \u00a75.008<\/a>). Where the crime creates a physical hazard\u2014like a meth lab\u2014states often mandate notice and remediation (e.g., <a href=\"https:\/\/cdphe.colorado.gov\">Colorado guidance<\/a>).<\/p>\n\n\n\n<p>Bottom line: a past homicide does not by itself raise your premium, but claims you file and neighborhood theft\/burglary patterns can influence pricing over time (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Issue of Haunted Houses<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-my-insurance-premium-increase-if-i-live-in-a-haunted-house\/\">Haunted houses<\/a> are treated in most U.S. jurisdictions as psychologically stigmatized, not physically defective. Insurers pay for identifiable covered perils (e.g., vandalism, fire), not \u201cparanormal activity,\u201d and state laws generally do not require disclosure of alleged hauntings (<a href=\"https:\/\/www.revisor.mn.gov\/statutes\/cite\/513.56\">Minn. Stat. \u00a7513.56<\/a>; <a href=\"https:\/\/www.nysenate.gov\/legislation\/laws\/RPP\/443-A\">NY RPP \u00a7443\u2011a<\/a>; <a href=\"https:\/\/www.iii.org\/article\/what-is-covered-by-standard-homeowners-policy\">III: what\u2019s covered<\/a>).<\/p>\n\n\n\n<p>When pricing, insurers consider measurable factors\u2014claims data, home condition, and protective devices\u2014rather than unverified phenomena (<a href=\"https:\/\/www.iii.org\/article\/what-determines-the-cost-of-your-homeowners-insurance-premium\">III<\/a>).<\/p>\n\n\n\n<p>There may be a caveat, though.&nbsp; Allegations of paranormal activity are typically not \u201cmaterial defects,\u201d but if asked directly about deaths, some states require truthful answers (e.g., California\u2019s good\u2011faith response rule) or provide time\u2011bound duties (<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?sectionNum=1710.2.&#038;lawCode=CIV\">Cal. Civ. Code \u00a71710.2<\/a>). Separately, crimes that create contamination (e.g., meth labs) are treated as health hazards requiring disclosure\/remediation in many states (<a href=\"https:\/\/cdphe.colorado.gov\">Colorado<\/a>). Notably, where sellers have publicly promoted a home as \u201chaunted,\u201d courts have limited their ability to later deny it (<a href=\"https:\/\/law.justia.com\/cases\/new-york\/appellate-division-first-department\/1991\/169-a-d-2d-254-0.html\">Stambovsky v. Ackley<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do Murders, or Other Grisly Crimes, Affect Home Insurance Rates?<\/h2>\n\n\n\n<p>So is there an impact on home insurance when there is a murder or another crime?<\/p>\n\n\n\n<p>Typically, a prior homicide or reputation for being \u201chaunted\u201d does not directly increase premiums. Pricing centers on expected losses, including burglary\/theft and vandalism risk at the neighborhood level, plus the home\u2019s condition and your claims history (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>). In <a href=\"https:\/\/cde.ucr.fbi.gov\">2023 FBI data<\/a>, property crime rose 7.1% while murder decreased about 6%\u2014illustrating why territorial pricing focuses more on property\u2011crime exposure than on a single violent incident at one address.<\/p>\n\n\n\n<p>Underwriting prioritizes verifiable risk controls such as roof condition and protective devices. Many carriers offer credits for centrally monitored alarms and automatic fire sprinklers\u2014often amounting to low\u2011teens or more in savings, with some guidance citing 15%\u201320% for sprinklers\/monitored fire systems (<a href=\"https:\/\/www.iii.org\/article\/how-to-lower-your-homeowners-insurance-costs\">III<\/a>).<\/p>\n\n\n\n<p>Rates can still change indirectly: a claim you file can raise your renewal premium, and elevated neighborhood theft\/burglary can push area rates higher. Encouragingly, many cities reported further homicide declines in 2024, while burglary\/robbery trends softened in several jurisdictions\u2014premium impacts, if any, tend to lag due to multi\u2011year ratemaking cycles (<a href=\"https:\/\/counciloncj.org\">CCJ<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Does Home Insurance Cover?<\/h3>\n\n\n\n<p>A lesser-known part of home insurance includes <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2017\/04\/27\/448986.htm\">biohazard and crime cleanups<\/a>. This can include expensive and extensive cleaning services that are very necessary after a crime.<\/p>\n\n\n\n<p>Coverage for crime scene or trauma cleanup is not automatic; it depends on policy language and whether a covered cause of loss exists (e.g., vandalism\/forced entry damage). Relevant provisions may include Dwelling\/Other Structures, Personal Property, and Additional Living Expense if a covered loss makes the home uninhabitable (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.iii.org\/article\/what-is-additional-living-expenses-coverage\">III on ALE<\/a>). Barriers include exclusions for intentional acts by an insured, contamination\/pollution, or bacteria\/fungi. Best practice: ask your insurer specifically if biohazard\/trauma remediation is covered and whether any sublimits or endorsements apply; when covered, it often appears under \u201cAdditional Coverages\u201d (for example, debris removal or pollutant clean\u2011up, which typically has a modest sublimit and may apply only to extraction from land\/water) (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<p>\u201cSome home insurance policies even include coverage for death clean-up,\u201d says Shepherd, \u201cwhich may help with costs associated with body removal and cleaning up bodily fluid.\u201d&nbsp;<\/p>\n\n\n\n<p>Coverage can include these services:<\/p>\n\n\n\n<ul><li>Cleaning blood from walls and flooring&nbsp;<\/li><li>Removal and disposal of soiled carpeting<\/li><li>Removal of decomposing bodies<\/li><\/ul>\n\n\n\n<p>Policies commonly include limited coverage for vandalism and may provide separate \u201cadditional coverages\u201d for items like grave markers, subject to caps and exclusions. Biohazard cleanup often requires licensed professionals following OSHA\u2019s Bloodborne Pathogens Standard and the IICRC S540 technical standard (<a href=\"https:\/\/www.osha.gov\/bloodborne-pathogens\">OSHA<\/a>; <a href=\"https:\/\/iicrc.org\/s540\/\">IICRC S540<\/a>). Costs vary widely\u2014from low thousands of dollars for small residential jobs to tens of thousands for complex decomposition or structural remediation (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>).<\/p>\n\n\n\n<p>Virginia Hamill is a Senior Insurance Analyst at FitSmallBusiness who previously worked within Insureon\u2019s wholesale division. She says it is possible that death cleanup coverage can affect your <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"homeowners insurance (opens in a new tab)\">homeowners insurance<\/a> policy. \u201cIf someone is murdered in your house and you end up filing a claim for the cleanup, your insurer could increase your rates,&#8221; she says, but adds that \u201cit doesn\u2019t seem very likely.\u201d&nbsp;<\/p>\n\n\n\n<p>When cleanup is necessary, insurers frequently open a claim to restore the property if a covered peril triggered the damage. Use qualified firms and coordinate scope and documentation with your adjuster (OSHA\/IICRC compliance, regulated waste manifests) to maximize the chance of coverage (<a href=\"https:\/\/www.osha.gov\/bloodborne-pathogens\">OSHA<\/a>; <a href=\"https:\/\/iicrc.org\/s540\/\">IICRC S540<\/a>).<\/p>\n\n\n\n<p>Please note: intentional acts by an insured are generally excluded under homeowners policies, which can bar coverage in certain crime scenarios (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Impact of Murder on the Neighborhood <\/h2>\n\n\n\n<p>Neighborhood conditions can influence pricing for everyone in the area. Territorial rating reflects local loss experience\u2014especially theft, burglary, and vandalism. Nationally in <a href=\"https:\/\/cde.ucr.fbi.gov\">2023<\/a>, property crime increased 7.1% while violent crime, including homicide, declined; large cities reported additional homicide decreases in 2024 (<a href=\"https:\/\/counciloncj.org\">CCJ<\/a>). These trends affect homeowners premiums indirectly and locally and often with a lag as filings use multi\u2011year data (<a href=\"https:\/\/www.iii.org\/article\/what-determines-the-cost-of-your-homeowners-insurance-premium\">III<\/a>).<\/p>\n\n\n\n<p>If you live in an area frequented by burglary and related crimes, expect higher insurance rates due to the elevated risk of theft\/vandalism claims. Carriers may also tighten underwriting or require protective devices in higher\u2011risk micro\u2011areas (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-burglary-and-theft\">III burglary\/theft<\/a>).<\/p>\n\n\n\n<p>Higher local theft\/burglary frequency in 2022\u20132023 aligned with FBI property\u2011crime patterns, prompting some insurers to adjust appetites, deductibles, or credits\u2014while theft remains a smaller share of homeowners claim dollars than water, wind\/hail, and fire (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-burglary-and-theft\">III<\/a>; <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis U.S. Home Trends Report<\/a>).<\/p>\n\n\n\n<p>Encouragingly, many cities saw homicide declines in 2024. If improvements in burglary\/theft follow and persist locally, future filings can reflect lower indicated loss costs\u2014though timing depends on multi\u2011year experience and regulatory review (<a href=\"https:\/\/counciloncj.org\">CCJ<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Can You Lower Premiums if Your House Has One of These Issues?<\/h2>\n\n\n\n<p>Premiums have risen sharply in recent years largely because of rebuilding costs, catastrophe losses, and reinsurance\u2014not crime. The CPI category for \u201chousehold insurance\u201d posted low double\u2011digit year\u2011over\u2011year increases through late 2024 (<a href=\"https:\/\/data.bls.gov\/timeseries\/CUSR0000SEHO\">BLS<\/a>). If you\u2019re facing higher bills\u2014whether due to claims or neighborhood risk\u2014there are targeted ways to mitigate costs.<\/p>\n\n\n\n<p>Old notoriety at an address usually has little to no pricing effect; insurers focus on today\u2019s measurable risks and claims. Stigma\u2019s impact on market value tends to shrink with time, renovations, and occupancy turnover, though highly publicized cases can persist longer (<a href=\"https:\/\/www.appraisalinstitute.org\">Appraisal Institute<\/a>).<\/p>\n\n\n\n<p>For more recent events, he recommends that you shop around for the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\">cheapest homeowners insurance<\/a> and improve your credit score. \u201cThese tend to have more of an effect on your home insurance than a dark history anyway,\u201d he says.<\/p>\n\n\n\n<p>Security upgrades can reduce both risk and price. Typical, commonly available discount ranges include about 5% for basic protective devices (smoke alarms, deadbolts) and roughly 15%\u201320% for centrally monitored fire\/burglar alarms or automatic fire sprinklers, where eligible (<a href=\"https:\/\/www.iii.org\/article\/how-to-lower-your-homeowners-insurance-costs\">III<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC<\/a>). Many carriers also incentivize smart leak detection and automatic water shutoff via program\u2011specific discounts (<a href=\"https:\/\/www.progressive.com\/homeowners\/discounts\/\">Progressive<\/a>; <a href=\"https:\/\/www.nationwide.com\">Nationwide Smart Home Program<\/a>). Maintain monitoring and keep proof of installation to preserve credits.<\/p>\n\n\n\n<p>If you are embarking on the process of homebuying, Musson says that a previous crime could have an effect on a home\u2019s value. \u201cIf you\u2019re looking to buy a house, you may get a good deal if you\u2019re alright buying a house where a murder has occurred. A home\u2019s value makes a difference in home insurance rates, so you may see lower rates, thanks to the stigma surrounding your home.\u201d<\/p>\n\n\n\n<p>Claims don\u2019t follow a property forever. Insurers and regulators frequently use multi\u2011year (often 3\u20135 years) experience windows when pricing territories, and prior claims beyond that horizon typically lose relevance; localized pricing shifts also phase in\/out as area risk changes (<a href=\"https:\/\/counciloncj.org\">CCJ<\/a>).<\/p>\n\n\n\n<p>In any case, you can lower premiums by addressing known and provable defects\u2014roof condition, wiring, water systems, and other verifiable hazards. These matter more to insurers than any alleged haunting (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>).<\/p>\n\n\n\n<p>After all, he says, \u201cGetting these issues resolved will lower insurance rates, whether or not Casper occupies the premise.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>There are many factors that impact the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/homeowners-insurance-cost\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"cost of your home insurance (opens in a new tab)\">cost of your home insurance<\/a>. The crime itself is not a rating variable, but its implications\u2014covered damage and cleanup that lead to claims, or elevated neighborhood burglary\/theft\u2014can affect what you pay. In <a href=\"https:\/\/cde.ucr.fbi.gov\">2023 FBI data<\/a>, property crime rose 7.1% while murder fell roughly 6%; many cities saw further homicide declines in 2024 (<a href=\"https:\/\/counciloncj.org\">CCJ<\/a>). Meanwhile, household\u2011insurance premiums climbed at a low double\u2011digit pace in 2024 due largely to rebuilding costs and catastrophe pressures (<a href=\"https:\/\/data.bls.gov\/timeseries\/CUSR0000SEHO\">BLS<\/a>).<\/p>\n\n\n\n<p>\u201cWhile the cost of home insurance can rise due to filing multiple claims, living in a high-crime neighborhood or changes in the value of your home,\u201d says Shepherd, \u201cyou won\u2019t see higher insurance rates just for having a murder or dark past associated with your home.\u201d<\/p>\n\n\n\n<p>\u201cThe scariest thing to an insurance company is someone who files a ton of claims in a short period of time,\u201d Lewis tells us. \u201cNow, that\u2019s spooky!\u201d<\/p>\n\n\n\n<p><em>Featured image by Stevica Mrdja \/ EyeEm \/ Getty Images.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fast facts: When a crime at your home leads to a covered insurance claim (for example, theft, vandalism, break-in damage, or remediation tied to a covered loss), any premium increase typically stems from the claim itself and local risk factors\u2014not from the crime label. Insurers price homeowners policies using location (including neighborhood burglary\/theft), construction, replacement [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":356512,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1268,1263],"tags":[],"post_author":[5797],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do Murders Increase Home Insurance Premiums? - Reviews.com<\/title>\n<meta name=\"description\" content=\"When a murder takes place in a home, many Americans worry about the impact it will have on their homeowners insurance rates.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/do-murders-increase-home-insurance-premiums\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do Murders Increase Home Insurance Premiums? 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