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Home Insurance for Older Homes

Older homes face more underwriting scrutiny than new construction — roof material and age, plumbing type (cast iron, galvanized, polybutylene), electrical panel brand, and whether major systems have been updated all factor into a carrier’s decision. Many carriers require a 4-point inspection for homes over a certain age before they’ll bind or renew a policy.

Underwriting guidance varies by carrier and changes over time — check specific carriers’ published roof-age and system-update rules in our carrier comparison tool rather than relying on general rules of thumb.