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Is home insurance cheaper for newer homes?

"I’m in the market for a house, but I don’t know whether to go with an older place or a newer place. Would I pay lower insurance rates if I buy a newer home?

"

avatar
Savannah Grabek · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Insurance can be lower for newer homes because all of the utilities in the home are new (the furnace, plumbing, roof, etc.). Plus, most insurance companies give a new construction discount. Companies like to insure new homes because they are typically lower-risk.
However, older homes can get credits or savings for new or replaced parts. When buying a home, it is important to find out when the roof was last replaced, how old the furnace is, and if the electric system is up to code. Try to stay away from older electric systems in homes, because they can be expensive to replace and hard to insure.
So to sum things up, the insurance on newer homes can be cheaper, but if you know when everything was last replaced, you can get savings off your insurance if you decide to go with an older home. “
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