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Home Insurance Quotes for Older Florida Homes
Published October 25, 2026
Call or text 813-302-7151
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We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
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We quote insurance for older homes in Florida, and for most of them the first step is the insurance inspection the carrier asks for. Send us the report and we compare the carriers available to us that take older homes, including Citizens.
Call or text 813-302-7151, or send a request anytime. Most home quotes come back within 24 to 48 hours. The insurance company decides eligibility and price after underwriting.
What does a four-point inspection check?
If your insurer requests a four-point inspection, the report covers the roof, electrical system, plumbing and heating and cooling. Ask what reports your insurer accepts and what documents it needs for any updates.
Here is what the inspector looks at:
- Roof: the type, age and condition, and any visible damage.
- Electrical: the wiring type, the condition of the panel and visible hazards such as exposed wiring.
- Plumbing: the pipe materials, the age of the water heater, any leaks and whether pipes were replaced.
- Heating and cooling: the age and condition of the system and whether it works.
The report is done by a Florida-licensed professional, and each insurer sets its own rules on how recent it must be. The Florida Insurance Consumer Advocate at the Department of Financial Services explains what to expect in its four-point inspection guide (PDF). If the report flags an item, see our pages on homes with an older roof and polybutylene and older plumbing. We review the report you bring. We do not do inspections, and the insurance company decides eligibility.
Older homes we insure
The oldest home in our quotes so far was built in 1860, so the year built alone rarely ends the search. Homes past about 15 to 20 years usually need underwriter approval or an inspection before a carrier will write the policy. That adds a step to the quote, and it’s a routine one for older Florida homes.
Each carrier sets its own rules on home age, roof age and the main systems. One carrier turning the house down tells you little about the next one, which is why we send an older home to several carriers instead of one. If the older house is a long-term rental, we quote that too. See our page on older rental homes; the oldest rental in our quotes was built in 1900.
We also write vacant homes, such as an older house you inherited or one sitting empty while you fix it up. Tell us how long it will be empty and what work is planned, since that may change which carriers will look at it.
What insurance costs for an older home in Florida
In real quotes our agency has run for older Florida homes, homeowners policies have ranged like this by the year the home was built:
- Built before 1980: $2,100 to $9,600 a year (about $175 to $800 a month)
- Built 1980 to 1999: $2,900 to $13,000 a year (about $242 to $1,083 a month)
- Built 2000 or newer: $1,600 to $7,200 a year (about $133 to $600 a month)
Your real price depends on the roof’s age, the updates to the electrical, plumbing and air conditioning, wind mitigation features, your location, the hurricane deductible you choose and your claims history. The insurance company sets the final price after it reviews the inspection. For a newer house, start with our homeowners insurance quotes page.
The 4-point inspection for an older home
A 4-point inspection is the report most carriers ask for on an older home. It covers the roof, the electrical system, the plumbing, and the heating and cooling, and it gives the age and condition of each. Citizens requires one for homeowners, dwelling and mobile home applications on homes more than 20 years old, according to its inspection requirements.
A wind mitigation report is a separate inspection. It looks at how the home is built to stand up to wind, and it can lower the price. We review the 4-point and wind mitigation reports you bring, and we can recommend an inspector if you ask. We don’t do inspections ourselves.
You can send a request before you have the report. We’ll tell you whether the carriers we plan to try need one, so you only pay for an inspection when a quote depends on it.
If you’re buying an older home, ask the seller or your home inspector for the 4-point and wind mitigation reports early in your inspection period. With the reports in hand we can quote early, and if the house needs a repair before carriers will take it, you find out while you can still negotiate.
Updates that help an older home get a quote
Underwriters want to know when the main parts of the house were last replaced. For each item below, send the year the work was done and the permit if there was one:
- Roof
- Electrical panel
- Plumbing
- Water heater
- Air conditioning
Receipts and photos count when there’s no permit. A 1960s house with a newer roof, panel and plumbing gives the underwriter a lot more to work with than the year built alone. If you don’t know the dates, the 4-point inspection usually lists the ages the inspector found. Keep these papers together after the policy starts, because you’ll want them again the next time you shop your insurance.
Older electrical panels and wiring
Some carriers turn down certain older electrical panels, fuse boxes or wiring types. Other carriers will look at the same house, so a decline over the panel doesn’t settle it.
Send a photo of the panel with the brand label showing, or the electrical page from your 4-point, and we check which carriers will look at it. If an electrician has already replaced the panel or rewired part of the house, include the permit or the invoice.
If a carrier already declined the home over the panel or wiring, tell us what the letter said. That helps us skip carriers with the same rule and go straight to the ones that may say yes.
Older roof or older plumbing?
If the roof is what’s holding up your quote, start there. Florida law limits when a carrier can refuse a homeowners policy only because of the roof’s age, and Citizens has separate roof rules. Our older roof page explains both and shows our prices by roof age.
If the 4-point flags the pipes, the plumbing type matters. Polybutylene, galvanized and cast iron plumbing can limit which carriers will quote, and Citizens has a rule on polybutylene in older homes. See polybutylene and older plumbing for what to send us.
Policy options for older homes
An older home with a good inspection can often go on a regular homeowners policy (HO-3). When it doesn’t fit there, an older-home form (HO-8) is another choice. In our quotes, HO-8 policies have run $1,600 to $8,700 a year.
Read how each quote pays for the roof. Some policies pay the roof at actual cash value, which takes the roof’s age into account at claim time. We point that out when we compare, so you see it before you pick a policy. When a home qualifies for both forms, we can quote each one so you can weigh the price against how a claim would be paid.
Citizens when private carriers say no
We write Citizens directly. Citizens is meant as the backstop: a primary home isn’t eligible when a private insurer offers comparable coverage at a premium no more than 20% higher, under s. 627.351, Florida Statutes. So we shop private carriers first and quote Citizens when they decline. More on rates, eligibility and takeout offers is on our Citizens quotes page.
Citizens personal residential policies that include wind coverage must also carry flood insurance, phased in by flood zone and home value, according to the Citizens flood requirement. We quote flood insurance through the NFIP and private carriers, so both policies can be set up together. The rule started with homes in high-risk flood zones in 2023, and from January 1, 2027 it reaches all remaining Citizens policies with wind coverage at new business or renewal.
Citizens also sends takeout offers that move policies to private carriers. If that happens to a policy we wrote, we keep servicing it with the new carrier.
If your current carrier is dropping your older home, Florida law requires at least 120 days’ written notice with the reason, under s. 627.4133, Florida Statutes. If you got a nonrenewal notice, send it with your inspection and we start shopping.
What to have ready for a quote
- The address and the year the home was built
- Your 4-point inspection, and a wind mitigation report if you have one
- The roof year and type, with the permit if you have it
- The years of the electrical panel, plumbing, water heater and air conditioning
- Your current declarations page, or the nonrenewal notice if you got one
- Your lender’s name and loan number if you have a mortgage
Missing a few items is fine. Send what you have and we’ll ask for the rest. If you pay through escrow, we send the new declarations page to your lender and handle the escrow side once you pick a policy.
How getting a quote works
- Send your details. Call or text 813-302-7151, or use the form, with the year built, your roof year and your 4-point inspection if you have one.
- We compare the carriers available to us. We send the home to the private carriers that take older homes, and to Citizens when it fits, then show you the quotes side by side, including how each one pays for the roof.
- You pick, and we set it up. We set the start date and send the new declarations page to your lender if you have one. You cancel your old policy yourself.
Areas we serve
We insure older homes throughout Florida from our office in Zephyrhills, and most of our quotes are in Tampa Bay, across Hillsborough, Pasco, Pinellas and Polk counties. See our service areas, including Tampa, St. Petersburg, Plant City and Lakeland. We help in English and Spanish, and we have an Arabic-speaking team member.
Related coverage and guides
Can I get home insurance on a house built before 1980?
Yes. We quote homes built well before 1980, and the oldest home in our quotes was built in 1860. In our quotes, homes built before 1980 have run $2,100 to $9,600 a year. Expect the carrier to ask for a 4-point inspection and the years of your roof, electrical panel, plumbing and air conditioning.
Do I need a 4-point inspection to get a quote on an older home?
Usually, yes. Citizens requires one for homes more than 20 years old. With private carriers, homes past about 15 to 20 years usually need underwriter approval or an inspection too. You can start a request without it, and we’ll tell you whether the carriers we plan to try need one.
How old can a house be and still get insured in Florida?
There’s no single cutoff. Each carrier sets its own rules, and the oldest home in our quotes was built in 1860. The condition of the roof, electrical, plumbing and heating and cooling usually matters more than the year built, and that is what the 4-point inspection shows.
Will an older home cost more to insure?
It can. In our quotes, homes built 1980 to 1999 ran $2,900 to $13,000 a year, and homes built in 2000 or newer ran $1,600 to $7,200. Homes built before 1980 ran $2,100 to $9,600. Updates to the roof and main systems may help an older home’s price.
Which updates help the most?
Carriers look at the roof, electrical panel, plumbing, water heater and air conditioning. Which one matters most depends on the carrier and on what the inspection found. Send the year and the permit for each update; receipts and photos count when there’s no permit.
Who orders the 4-point inspection?
You do. You hire the inspector directly, and the report is yours to send to any agent or carrier. We don’t do inspections, but we review the report when it’s done and can recommend an inspector if you ask.
Can you help if my carrier dropped my older home?
Yes. Send the nonrenewal notice and your 4-point inspection, and we check which carriers available to us will quote the home, including Citizens. Florida requires at least 120 days’ written notice for a homeowners nonrenewal, so there’s usually time to shop. Our nonrenewal page covers the next steps.
About the Author
Raymundo Guzman
I’m Raymundo Guzman, an independent insurance agent and the owner of Covered by Guzman. I help Florida homeowners, landlords and property owners compare home, condo, mobile home and flood insurance, along with the business coverage I write every day, using the carriers available to me rather than selling one company’s product.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
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Send the inspection report, the year the home was built and your roof year. We’ll tell you which carriers will quote it.
