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We just insured a renovated farmhouse, listed in county assessment data as 1850. We don't allow partial renovation credits- you would need to completely update all systems (electric, plumbing, roof). I am not sure how "effective" dates work in other states, but we don't try to figure out how a 2007 roof can off-set the risk of 1940's electrical system.
Cut off dates for antique homes can differ from company to company, and ages requirements vary as well. Another reason it can pay to talk with a few agents from a few companies that know what they're doing.
Sean/ Metro Wash DC
My coastal California house is from 1920. I think I called 4 major insurances: AAA, Farmers, State Farm, Geico(?)
I would've loved to get it insured with AAA since my cars were there.
State Farm was the only one willing to insure my house.
The others turned me down for (a combination) of these reasons:
- house is pre-1930
- house has no heating system (just wood-burning stoves)
- plumbing is too old ("outdoor plumbing", I guessed 1960)
- electrical is too old (I guessed 1960)
I ended up switching my cars to State Farm.
-Peter
... and, it's free and anonymous
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Pre-1930's home insurance?
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DaveMiura
Seattle
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