Does the cost of home insurance differ for a metal vs shingle roof?

Yes, the cost of home insurance can differ for a metal vs shingle roof. Generally, metal roofs are more durable and resistant to damage from natural disasters, such as hail and wind, compared to shingle roofs. This can make them a lower risk for insurance companies to insure, which can result in lower premiums for homeowners with metal roofs. Some insurance companies may offer discounts for homeowners who have a metal roof because they are less likely to file a claim for damage caused by natural disasters. This can result in lower premiums for the homeowner. However, it's important to note that the amount of the discount and whether it is available can vary based on the insurance company and the location of the home. In contrast, shingle roofs may be more prone to damage from hail, wind, and other natural disasters, which can make them a higher risk for insurance companies to insure. As a result, homeowners with shingle roofs may pay higher premiums for their home insurance. It's important to note that there are many factors that can affect the cost of home insurance, including the age of the home, the location of the home, the value of the home, and the homeowner's claims history. Therefore, while the type of roof can be a factor in determining the cost of home insurance, it is not the only factor and may not have a significant impact on the overall cost of the policy. Homeowners should speak with their insurance provider to get more information about how their specific roof type may impact their home insurance rates.