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Can Homeowners Insurance Be Backdated?

Written by Bobby Thomas Jr.—President, Co-Owner

February 22, 2022 · 2 minute read · Personal Lines

Blog Can Homeowners Insurance Be Backdated?

Can you purchase insurance at a past date? Bobby Thomas answers your insurance questions.

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The question today is can auto insurance or home insurance be backdated? I look at the most googled questions and then I try to answer them to the best of my ability. This one’s fairly simple. Insurance can’t be backdated. If we were to allow insurance policies to be backdated, we’d just buy insurance the day after the claim happened. So no, no insurance can be backdated. There are scenarios where if an error happened and just to correct the date that may have been set up in error, and then there’s a correction to a date, but as far as backdating coverage, there is no way to backdate a home policy or a car insurance policy.

Keep those questions coming. We appreciate your interest in learning about the insurance industry. Have a great day.


Call BTJ Insurance in Nashville TN at (615) 953-9385

Have questions? Contact:

Bobby Thomas Jr.

Bobby Thomas Jr.

President, Co-Owner

Call: (615) 953-9385

I grew up in Bowling Green, KY and I am Western KY University Grad.

I started working in the industry in 1999 in claims, then underwriting/product, and then became an agent. I really enjoy helping to protect everything that matters most to my clients. Think of me as your insurance doctor—I don’t save lives, I save lifestyles.

Fun fact about me: I enjoy my faith, family, and football. In that order. I am also a foodie! I love to cook and create in the kitchen.

I definitely enjoy my weekends! Sundays are for church and football games. I volunteer at Mt Zion Baptist Church as a Deacon. I am also a former board member of Williamson County YMCA and former alumni board member at WKU.

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Read Bobby's full bio