There’s something nostalgic about owning an older home in Salt Lake City. Whether it’s a 1920s bungalow in SugarHouse or a Victorian-style home near the Avenues, these properties often come with original hardwood floors, ornate trim, and distinctive charm. But that charm often comes with a few insurance complications that newer homes don’t have.
Salt Lake City Home Insurance for Old Properties
If you already live in an older Salt Lake City home or are planning to buy one, here are a few things to keep in mind when it comes to insurance coverage.
Roof Age and Insurance Claims
Salt Lake City’s hot summers, snow in the winter, and strong winds can wear out a roof faster than expected. Most roofs need to be replaced every 20 to 25 years, depending on the material. If a roof has not been updated in that timeframe, insurance companies may refuse to cover damage from leaks or water intrusion.
Before buying an older home, ask when the roof was last replaced and request documentation. Do you already own the property but you don’t know the roof’s age? Have it inspected! Signs like missing shingles, sagging areas, or light coming through the attic may indicate that replacement is overdue.
Outdated Plumbing Increases the Risk of Damage
Many older Salt Lake City homes still have galvanized steel or cast iron pipes. These materials tend to corrode and crack over time, especially in homes that are 50 years old or more. Leaks, clogs, and burst pipes can cause expensive water damage that insurance companies are hesitant to cover.
Check for exposed pipes in the basement or under sinks. Look for signs of corrosion, discolored water, or flaking metal. These are all signs that your plumbing system may need an upgrade—don’t ignore them! Replacing outdated pipes can help you avoid higher premiums and improve your chances of being approved for coverage.
Electrical Systems May Not Meet Modern Standards
Homes built several decades ago often still rely on fuse boxes or older wiring like knob-and-tube systems. These setups are not designed to support the power needs of modern appliances, HVAC systems, and electronics. As a result, they present a higher fire risk.
Some insurers in Salt Lake City may decline to write a policy until the electrical system is updated. Others may raise your premium. If the home has not had an electrical inspection in years, bring in a licensed electrician to assess the panel, wiring, and outlets. Making the necessary upgrades can improve safety and lower home insurance costs.
Balancing Charm with Responsibility: Salt Lake City Home Insurance
Older homes across Salt Lake City offer style, character, and a sense of history. They are also more likely to have aging infrastructure that needs regular upkeep and repair.
A little due diligence can go a long way in keeping your home covered and protected.
Give the team at ASA Insurance a call today so we can help you protect your home with the coverage you need.
