There’s something charming and timeless about owning a 100-year-old home. From original woodwork and antique fixtures to unique architecture you just can’t find in modern builds, these homes offer character that’s hard to beat. But when it comes to homeowners insurance, that charm can come with a few extra challenges.
So, is it hard to insure a 100-year-old house? The short answer: It can be—but it’s far from impossible.
Why Insuring an Older Home Can Be More Complicated
Owning a century-old home often means dealing with features that no longer meet modern building standards. Insurance companies weigh several risk factors when quoting your policy, and older homes usually raise a few red flags:
1. Outdated Systems
Many older homes still have their original electrical, plumbing, or heating systems. Things like knob-and-tube wiring, cast iron pipes, or oil heating can be fire or water damage risks—leading to higher premiums or even policy denials.
2. Higher Rebuilding Costs
A 100-year-old home may contain materials or craftsmanship that are no longer widely available. If the home is damaged, restoring it to its original condition can cost significantly more than rebuilding a modern home.
3. Hidden Issues
Century-old houses often come with surprises—foundation problems, mold, lead paint, or asbestos insulation. These risks make insurers cautious, especially if maintenance has been inconsistent.
4. Limited Insurance Options
Not all insurance companies are willing to take on older homes. You may need to work with a specialized provider or independent agency to find suitable coverage.
Tips to Make Insuring an Older Home Easier
If you’re planning to buy or already own a 100-year-old home, here are some proactive steps to help you get the coverage you need:
✔️ Upgrade Key Systems
Modernizing the home’s electrical, plumbing, and roofing systems can significantly reduce your risk profile—and your premiums.
✔️ Schedule a Professional Home Inspection
An inspection will identify any issues that need to be addressed and show insurers you’re committed to maintaining the home.
✔️ Work With an Independent Insurance Agent
Independent agents have access to a broad network of carriers, including those that specialize in historic or older homes. They can help you compare options and find the right fit.
✔️ Consider Extended Replacement Cost Coverage
Older homes may require special materials or craftsmanship during repairs. Extended replacement cost coverage helps ensure you’re not left underinsured if a rebuild costs more than expected.
Final Thoughts
While insuring a 100-year-old home may require more work than a newer house, it’s absolutely doable with the right steps and support. With smart upgrades, a good inspection, and expert help, you can secure reliable coverage for your historic property.
Looking to insure an older home in Sacramento?
At Eugene C. Yates Insurance Agency, we specialize in finding personalized, affordable coverage—no matter how old your home is. Contact us today for a free quote!