{"id":52019,"date":"2025-02-14T07:06:06","date_gmt":"2025-02-14T12:06:06","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=52019"},"modified":"2025-12-12T14:21:10","modified_gmt":"2025-12-12T19:21:10","slug":"should-i-buy-or-build-a-house","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/should-i-buy-or-build-a-house","title":{"rendered":"Should I buy or build a house?"},"content":{"rendered":"\n<a id=\"back-to-top\"><\/a>\n\n\n\n<p>Depending on the condition of the housing market, you may wonder, Should I buy or build a house? There\u2019s no correct answer when it comes to this question. As you might expect, both options have their own benefits and challenges. Which one you choose depends on what\u2019s right for your needs.<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Table of contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#should\">Should I build a house?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#pros\">Pros of building a house<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#cons\">Cons of building a house<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#should2\">Should I buy an existing house?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#pros2\">Pros of buying an existing house<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#cons2\">Cons of buying an existing house<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#impact\">Impact on homeowners insurance<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"should\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Should I build a house? <\/h2>\n\n\n\n<p>Instead of hunting for your dream home, why not build it yourself? Building a house from the ground up lets you customize it to your exact specifications and requirements. However, it\u2019s a much more complicated process than buying an existing house.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Will my home be covered by home insurance while it\u2019s under construction?<\/strong><\/h3>\n\n\n\n<p>Generally, lenders will require you to carry some kind of insurance during the construction of your home. This will most likely be in the form of builder\u2019s risk insurance, which is also known as construction coverage or dwelling under construction coverage.<\/p>\n\n\n\n<p>In general, builder\u2019s risk insurance covers the property and construction materials from damage, theft or destruction during a construction project. Even if you\u2019re not borrowing money for construction, it\u2019s a good idea to carry builder\u2019s risk insurance.<\/p>\n\n\n\n<p>Of course, you\u2019ll need to transition to a standard <a href=\"\/insurance\/home\">homeowners insurance policy<\/a> when your home is complete.<\/p>\n\n\n\n<a id=\"pros\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Pros of building a house <\/h2>\n\n\n\n<p>There are lots of advantages to building your house over buying an existing one.<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Advantages of Building a House<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Ability to customize<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">More energy efficient<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Less maintenance and repairs<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Ability to customize<\/strong><\/h3>\n\n\n\n<p>When you build a new house, you get to design the space to your exact needs and tastes. You can choose things like the room layout, molding, cabinets, flooring, countertops and any other feature of your home.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>More energy efficient<\/strong><\/h3>\n\n\n\n<p>Building lets you fill your new house with modern, energy-efficient appliances. Your <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/coverage-policy-options\/home-systems-breakdown\">cooling and heating systems<\/a> will be brand new, as well as your water boiler. These new appliances often come with <a href=\"https:\/\/www.plymouthrock.com\/resources\/home-warranty-vs-home-insurance\">manufacturer\u2019s warranties<\/a>, giving you added piece of mind for your first years of ownership.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Less maintenance and repairs<\/strong><\/h3>\n\n\n\n<p>Let\u2019s face it, wear and tear shouldn\u2019t be a problem with a newly built home. As a result, there are less upfront maintenance requirements compared to an existing home. There should also be fewer major repairs needed, at least for the first few years.<\/p>\n\n\n\n<a id=\"cons\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Cons of building a house<\/h2>\n\n\n\n<p>Building a house is a much more complicated process than buying an existing home. There are lots of hidden costs and details to pay attention to.<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Disadvantages of Building a House<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">More expensive<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Landscaping requirements<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Longer wait time<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Non-negotiable prices<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">More stressful<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Limited location options<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>More expensive<\/strong><\/h3>\n\n\n\n<p>Building a new house is more expensive than buying an existing one. Not only do you need to buy the materials for the house itself, but you also need to buy the land and pay for construction. Other expenses like utility connections and permits also add up.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Landscaping requirements<\/strong><\/h3>\n\n\n\n<p>Before you can build your new home, you\u2019ll first need to prepare the land by removing much of the existing landscape. After the home is built, you\u2019ll need to re-landscape your property, as well.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Longer wait time<\/strong><\/h3>\n\n\n\n<p>It can take several months to build a new house from the ground up. While your house is under construction, you\u2019ll still have to pay to live somewhere until the build is complete.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Non-negotiable prices<\/strong><\/h3>\n\n\n\n<p>If you\u2019re paying to build a new house, you won\u2019t have much room to negotiate on the price. You\u2019re unlikely to get a deal on construction contracts or land permits. Even financing a new house can be more expensive than financing an existing one.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>More stressful<\/strong><\/h3>\n\n\n\n<p>There\u2019s a lot that goes into new construction. You\u2019ll likely have your hands full working with real estate agents and builders, securing loans, acquiring permits, etc. Once the building begins, you\u2019ll also need to pick out elements like flooring, cabinets or exterior trim. The expenses\u2014and stress\u2014can add up quickly.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Limited location options<\/strong><\/h3>\n\n\n\n<p>Most new construction homes are built farther away from downtown districts, as most of the land around them has already been developed. This means you may need to drive farther to work or to get groceries.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:5px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"should2\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Should I buy an existing house?<\/h2>\n\n\n\n<p>It may not make sense to build a new home, depending on your personal finances, as well as the local real estate market. If this is the case, you\u2019ll be looking at a home that\u2019s already built. Generally speaking, buying an existing house is cheaper than building one from the ground up. However, it may come with some maintenance and repair costs.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Do I need home insurance in order to buy a home?<\/strong><\/h3>\n\n\n\n<p>Most mortgage lenders will require you to carry homeowners insurance with their specific insurance requirements. Homeowners insurance can provide <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-home-insurance-cover\">coverage for your home<\/a> and <a href=\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage\">other structures<\/a>, your <a href=\"https:\/\/www.plymouthrock.com\/resources\/personal-property-coverage-homeowners-insurance\">personal possessions<\/a>, your <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-homeowners-liability-insurance-cover\">liability for injuries to others<\/a>, and other expenses. Even if you don\u2019t have a mortgage, homeowners insurance is a good idea.<a> Generally speaking, your homeowners insurance coverage <\/a>begins when you close on the house.<\/p>\n\n\n\n<a id=\"pros2\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Pros of buying an existing house<\/h2>\n\n\n\n<p>Here are just a few of the advantages of buying an existing house.<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Advantages of Buying an Existing House<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Ability to negotiate<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Move-in ready<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">More location options<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Ability to negotiate<\/strong><\/h3>\n\n\n\n<p>It\u2019s almost always going to be cheaper to buy an existing house than it is to build a new one. Depending on the market and the condition of the house, you may even have room to negotiate when it comes to buying an existing home.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Move-in ready<\/strong><\/h3>\n\n\n\n<p>An existing house is ready to move in when you close. All the essential appliances and systems that you need, like refrigerators, stoves, baths and <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-ac\">HVAC<\/a>, should already be up and running when you move in.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>More location options<\/strong><\/h3>\n\n\n\n<p>Existing homes tend to be closer to downtown districts and city centers. This could mean a quicker commute to work, shopping plazas and entertainment areas.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:5px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"cons2\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Cons of buying an existing house<\/h2>\n\n\n\n<p>Purchasing an existing home can be filled with compromises. While you may be able to save some money upfront, an existing home will likely require more maintenance and repairs in the long run.<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Disadvantages of Buying a House<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">More repairs and renovations<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Less efficient appliances<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Competition with other buyers<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Compromise on features<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Hazardous materials<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Hidden damage<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>More repairs and renovations<\/strong><\/h3>\n\n\n\n<p>When you\u2019re buying an existing house, you may have to account for repairs or renovations. Depending on the age and condition, anything from appliances to flooring to windows may need repairs or replacements. A <a href=\"https:\/\/www.plymouthrock.com\/resources\/how-to-prepare-for-a-home-inspection\">home inspection<\/a>, which is required when buying an existing home, can help identify things you need to address.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Less efficient appliances<\/strong><\/h3>\n\n\n\n<p>An existing home will typically come with appliances. These could be older items that are less efficient to operate, or ones that are worn out. When comparing houses, consider the cost to replace or repair appliances in your budget.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Competition with other buyers<\/strong><\/h3>\n\n\n\n<p>Buying a house in the open market often means you\u2019ll be competing with other buyers. As a result, you may find a house that checks off most of your boxes but lose it to another bidder.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Compromise on features<\/strong><\/h3>\n\n\n\n<p>It\u2019s unlikely you\u2019ll find a home with every feature you desire. While repainting a wall is a relatively simple change, changing other features like cabinets, floors or exterior trim can be expensive and time-consuming. Consequently, you\u2019ll probably have to compromise on certain features.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Hazardous materials<\/strong><\/h3>\n\n\n\n<p>Older homes, especially those built before 1980, may have been built with asbestos insulation or have appliances made with asbestos. Lead, another highly toxic material, was used in paint until it was outlawed in the United States in 1978. Some very old homes may also have lead water pipes. Make sure the home is free of hazardous materials before buying.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Hidden damage<\/strong><\/h3>\n\n\n\n<p>One of the biggest unforeseen expenses when it comes to buying an existing home is hidden damage. While sellers are typically required to disclose damage, they can\u2019t disclose damage they\u2019re not aware of. Even an inspector may miss certain damage. For example, it\u2019s possible that water damage, frame rot and plumbing issues may not be discovered until later. &nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:5px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"impact\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Impact on homeowners insurance: Building vs buying<\/h2>\n\n\n\n<p>Whether you build or buy a home, you\u2019ll want homeowners insurance to protect your investment. <strong>&nbsp;<\/strong><\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Cost comparisons<\/strong><\/h3>\n\n\n\n<p>There are <a href=\"https:\/\/www.plymouthrock.com\/resources\/how-is-home-insurance-calculated\">many factors that go into pricing<\/a> an insurance policy. Generally speaking, a homeowners insurance policy for a newly constructed home will be cheaper than one for an existing home.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Coverage differences<\/strong><\/h3>\n\n\n\n<p>The key difference in coverage comes into play during a new home\u2019s construction. You\u2019ll need builder\u2019s risk insurance to protect your home while it\u2019s under construction. If the house is already built, you won\u2019t need to worry about getting builder\u2019s risk insurance unless you\u2019re looking to make additions.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Risk assessment<\/strong><\/h3>\n\n\n\n<p>Older homes can represent a higher risk for the insurer, due to wear and tear over time. Of course, the actual cost will vary depending on many other factors.<\/p>\n\n\n\n<div style=\"border:1px solid #0092D2; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px; font-size:1.125rem;\"><tr><td colspan=\"2\" style=\"background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:100%;\"><strong>Potential Home Insurance Rating Factors<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; width:50%; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">Neighborhood\/location<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: width:50%; left; vertical-align:top;\">Age of home<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; width:50%; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Size of home<\/td><td style=\"background-color:#fff; width:50%; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Ownership status<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; width:50%; text-align: left;\">Additional structures<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; width:50%;\">Pets<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; width:50%; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Roof condition<\/td><td style=\"background-color:#fff; width:50%; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Cost of materials<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; width:50%; text-align: left;\">Level of coverage<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; width:50%;\">Deductibles<\/td><\/tr>\n\n\n\n<\/table><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u201cShould I buy or build a house,\u201d is a common question in the housing market. Both options have their advantages and disadvantages. Which one you choose depends on what\u2019s right for your needs.<\/p>\n","protected":false},"author":6,"featured_media":52002,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[],"class_list":["post-52019","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should I buy or build a house? | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"\u201cShould I buy or build a house,\u201d is a common question in the housing market. 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