If your home was built before 1980, getting homeowners insurance in Tempe can be more difficult. Older homes often have:
- Outdated plumbing
- Old electrical wiring
- Aging roofs
- Foundation issues
- Prior claim history
Many standard insurance carriers will either decline, non-renew, or charge higher premiums for older properties. We specialize in helping Tempe homeowners secure proper coverage for pre-1980 homes, even when other agencies cannot place the risk.
Why Older Homes Are Harder to Insure
Outdated Electrical Systems
Knob-and-tube, aluminum wiring, or ungrounded systems increase fire risk.
Aging Plumbing
Galvanized or polybutylene pipes significantly increase water damage risk.
Roof Condition
Older roofs often fail underwriting if they exceed carrier age limits.
Increased Claim Frequency
Older homes statistically generate more water, fire, and structural claims.
Insurance Solutions for Older Homes in Tempe
Standard Homeowners Insurance (When Eligible)
If updates have been completed, some standard carriers will still accept older homes.
Specialty / High-Risk Homeowners Policies
Designed specifically for homes that do not meet standard underwriting rules.
Surplus Lines Home Insurance
For homes with multiple risk factors, claims, or deferred maintenance.
Renovation & Update Policies
Temporary policies available while electrical, plumbing, or roof work is being completed.
What Updates Help You Qualify for Better Rates?
You may qualify for lower premiums if your home has:
- Updated electrical panel
- Copper or PEX plumbing
- New or certified roof
- Updated HVAC
- Permits for major renovations
We help you identify which improvements matter most to insurance carriers.
Who We Help in Tempe
We insure:
- Homes built before 1950
- Homes built 1950–1979
- Historic homes
- Older rental properties
- Older homes with prior claims
- Homes with partial upgrades
- Homes awaiting renovation
How to Get Home Insurance for an Older Home in Tempe, AZ
- Call or text 480-270-2935
- Tell us the year built and what updates have been done
- We shop multiple carriers that insure older homes
- You choose the best available option
Many policies can be bound same day, even for hard-to-place homes.
Older Home Insurance FAQs — Tempe, AZ
Can you insure homes built before 1950?
Yes. We insure many homes built in the 1920s–1940s with specialty carriers.
Does outdated wiring automatically disqualify me?
Not always. Some carriers allow older wiring with specific conditions.
Can I get insurance while updating my home?
Yes. Temporary renovation policies are available during repairs.
Home Insurance for Older Homes in Tempe, AZ — Get Your Quote Today
If your home was built before 1980 and you are struggling to find coverage, we can help.
Call or text 480-270-2935 for a fast quote.
¿Prefieres hablar en español?
¿Tu casa fue construida antes de 1980?
Llámanos al 480-270-2935 para ayudarte con tu seguro de casa en Tempe, AZ.