It is often a requirement of homeowner insurance to provide current date of upgrades to wiring, plumbing, heating and roof when the home is 25 years-old and older. There is a higher risk of fire loss with older wiring. An old roof could not withstand windstorm and rain well. An older furnace needs to have regular inspection and maintenance. Galvanized plumbing can develop leaks.

If you can provide the dates of upgrades and whether or not it is fully or partially upgraded it can make a significant difference on your insurance rates. Older homes that have not been maintained will pay more for insurance and possibly have limited coverage.