Can an insurer deny coverage based on my home having cast-iron pipes?

My home is over 100 years old and most of the plumbing is made from cast-iron pipes. My preferred insurer now says that they won't offer coverage because of this. Can they actually deny coverage?

Answer
“Yes, insurers can deny coverage if you have cast-iron pipes.
The reason behind this is that the integrity of very old cast-iron pipes is questionable. They could fail at any time and the insurer would be on the hook for the repairs.
It’s similar to an insurer denying car insurance or a company denying an extended warranty on a super old car. Sometimes, it’s just not worth the hassle.
Shopping around can help you find a company willing to work with you on this. You should be able to find a policy, or at the very least, someone that will insure you for a short time until you can replace the pipes on your dime.
If you want help sorting through the multitude of insurance companies to find one that will cover you at an affordable price, try the free Jerry app. Jerry compares rates from the top providers and delivers the best deals to your phone in minutes.”
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Eric Schad
Answered on Aug 17, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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