The construction date of your property may have an impact on your home insurance premiums

According to analysis, insurance for a property constructed prior to World War I is substantially more expensive than for one constructed after 2000

What are some ways to cut expenses?

Although period homes may have personality and charm, new research indicates that the annual cost of insurance for one could be hundreds of pounds higher than that of a new construction.

Owners of period homes built before 1911 pay 376 for annual combined contents and buildings coverage, compared to 179 for those living in homes built after 2000, according to analysis from the price comparison website Compare the Market.

The average annual premium for homes constructed during the Stuart era is 545, making them the most expensive to insure.

Problems with BFIA today. According to Compare the Market, Georgian properties are the second most expensive to insure, with an average combined policy costing 446.

The average cost for owners of Tudor homes is 418, whereas the average cost for owners of Victorian homes is 252. For homes built between 1911 and 1999, the average premium is £200.

According to Compare the Market, the cost of insurance for period homes has decreased over the past year despite price variations.

Its data shows that in 2025 (442), the average cost of insuring period homes increased by 15%.

Credit: Evaluate the market.

Why does insurance for older homes cost more?

Because there is greater risk for the insurer, insurance for older properties is more expensive than for new construction.

The likelihood of outdated plumbing, electrical, and external features like roofs increases with the age of a property.

For instance, a thatched roof presents a fire risk, but a loose tile on your roof could let rainwater in.

Additionally, because repairs frequently call for specialized materials, older properties usually have higher repair costs than newer ones.

The cost of a premium may increase if your property is listed because you might be limited in what you can replace or alter.

Nathan Blackler is Go's home insurance specialist. "Higher premiums on older homes will likely be due to older homes being more vulnerable to issues like fire damage, poor drainage, and corroded pipework, and repairing or rebuilding traditional features can be costly, all of which can push premiums up," stated the comparison. A "

How to lower insurance premiums for older homes.

There are doable ways to lower your premium if you reside in a period home.

According to Blackler, one is enhancing security with locks, security lighting, and burglar alarms.

According to Amy Rootham, a home insurance specialist at Compare the Market, another is routine property maintenance to prevent minor issues from becoming major ones.

"The risk of larger, more costly claims could be decreased by routinely cleaning gutters, checking for damp, and taking care of minor repairs early," she says.

"In a similar vein, it is crucial to install sufficient fire safety measures, like smoke alarms, particularly for properties with thatched roofs. A "

Use price comparison websites like Go to make sure you're shopping around for the best deal. Compare MoneySuperMarket and the Market.

Which kinds of home insurance are there?

Buildings and contents are the two categories of home insurance. Additionally, you can purchase policies that combine building and contents insurance.

The cost of fixing any damage to your property's walls, floors, ceilings, or roof is covered by building insurance. It also protects you in the event that permanent fixtures like your kitchen, bathroom, shed, or garage sustain damage.

Generally speaking, building insurance protects you against theft, vandalism, storm or wind damage, fires, and floods.

Contents insurance covers you in the event that your home's belongings, including furniture, electronics, and jewelry, are lost, damaged, or stolen.

Before purchasing a home insurance policy, it's important to review the terms and conditions of each one because not all of them cover the same things.

The "excess" that you must pay toward a claim is another feature of the majority of home insurance policies.

Your policy will decrease if you increase your excess, but if you need to file a claim, you will have to pay more.