Owning an older home is like owning a piece of history. With character-filled architecture and classic craftsmanship, these homes tell stories. But when it comes to home insurance, older homes come with their own set of challenges—and not all policies are created equal.
If your home is 30, 50, or even 100+ years old, here’s what you need to know to protect it properly—and affordably.
🏡 Why Older Homes Need Specialized Insurance
Unlike newer homes, older homes may have:
- Outdated wiring or plumbing
- Roofs near the end of their life
- Foundation or structural wear
- Building materials that are no longer available
- Historic features that are costly to replace
These risks can lead to higher insurance premiums or even policy exclusions. That’s why it’s critical to choose an insurer that understands the needs of older properties.
🔍 What to Look for in a Policy for an Older Home
✅ Guaranteed or Extended Replacement Cost
This ensures your home can be rebuilt—even if the cost exceeds your policy limits. It’s especially important for homes with unique architecture or hard-to-replace materials.
✅ Ordinance or Law Coverage
If your home is damaged, local building codes may require upgrades during repairs. This coverage helps pay for code-compliance costs that standard policies may not cover.
✅ Water Backup Protection
Old plumbing increases the risk of backups and flooding. Add this inexpensive rider to your policy for extra peace of mind.
✅ Updated Personal Property Coverage
If your older home includes vintage furniture, antiques, or collectibles, make sure they’re properly insured—standard limits may not be enough.
🛡️ Top Insurance Providers for Older Homes
While every situation is unique, here are a few insurers known for strong older home coverage:
- The Hartford – Excellent for AARP members with older homes
- Safeco – Offers extended replacement and bundling options
- Travelers – Flexible underwriting for homes with partial upgrades
- Nationwide – Known for code-compliance and rebuild support
- Openly – Tailored coverage for high-value historic homes
At Eugene C. Yates Insurance Agency, we work with these top carriers and many more—giving you access to multiple quotes from one trusted source.
💸 Ways to Lower Your Insurance Premium
Want to keep your premium low while protecting your older home? Here are smart ways to save:
- Update the roof, plumbing, and electrical systems
- Install smoke detectors, burglar alarms, and deadbolts
- Bundle with auto or umbrella policies
- Increase your deductible (if financially manageable)
- Get an annual coverage review to avoid overpaying
🧱 Don’t Let Your Policy Fall Behind
Older homes are beautiful—but they also need modern insurance. The right policy will preserve the value, character, and safety of your home for years to come.
At Eugene C. Yates Insurance Agency, we specialize in custom coverage for all types of homes—including older and historic properties. Our independent agents shop multiple carriers to find the best value and protection for your specific needs.
🏠 Ready for a Personalized Quote?
📞 Call us today to talk with a Sacramento insurance expert
💻 Or request your free home insurance quote online in minutes
Eugene C. Yates Insurance Agency
Protecting Sacramento Homes—Old and New—Since 1946