Can an insurance company back date a home owners policy?

Answer 1

Homeowners insurance companies will generally offer insurance effective immediately at the time of the quote if you have the down payment, your home does not require an inspection, and if it otherwise meets the underwriting guidelines of the company.

The policy is usually effective at 12:01 am the day the policy is bound. The insurance company will not backdate coverage to a prior date because doing so effectively makes it potentially liable for covered losses that may have occurred before the inception date of coverage, and for which it has not collected a premium.