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When was my house built?

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Want to know when your home was built? If you’re looking for home insurance, it’s something you might want to find out…

What year was your house built?

Does age matter?

Insurers ask you for this information because the age of your property might change the amount you pay for your annual premium. For example, older builds are likely to have been built using different materials than what we use now, meaning the cost of repairing the building could be higher. This is because the repair may need specialist techniques and materials which could be harder to come by.

It’s not all doom and gloom for older-property dwellers though; it can work in your favour, too. For example, A Georgian-/Victorian-era house is less likely to be built on a floodplain, due to space being less competitive back then. ‘New-builds’ on the other hand, are more pressed for space, so often end up getting built on less desirable land, sometimes on floodplains. In this example, a newer home may cost more to insure than an older one..

How old is my house?

If you own the property, you should be able to find this information in your property’s ‘title register’. This ‘deed’ (as it’s more commonly known) is your proof of ownership of the property, but also tells you which year the first owner bought it off the developers.

If you don’t own the property or you can’t find the title deeds, you might want to contact HM Land Registry. This is the national register for 87% of owned land in England and Wales. All you need is the property’s address. Remember, Scotland and Northern Ireland have their own land register.

It’s not always possible to find out the exact date that your property was built, especially if it’s a particularly old house. The records may be patchy if the building is older than 50 years old, but you’ll be able to find out the first time the property was sold, which is a good starting point

 

How can I estimate how old my house is?

Curious to know how to date your house? Check out our handy guide below to help you estimate which era your house was built in:

 

Era

Description

Tudor (1480-1603)

What are the features of a Tudor house?

  • Most have thatched roofs
  • Roofs with tiles will have a steep gradient
  • Distinctive black and white front
  • Exposed wooden frames
  • Generally smaller windows (as glass was very expensive)

Jacobean/Stuart (1603-1714)

What are the features of a Jacobean/Stuart house?

  • Lots of symmetry, often made of stone
  • Large rooms with high ceilings
  • Grand wooden staircases
  • Introduction of sash windows in some houses
  • Furniture started being designed for comfort

Georgian (1714-1830)

What are the features of a Georgian house?

  • Also designed with symmetry
  • Spacious rooms with high ceilings
  • Lots of sash windows
  • Mostly terraced townhouses, but covers a range of styles
  • Gently sloping roofs
  • Generally built with brick

Victorian (1830-1901)

What are the features of a Victorian house?

  • More intricate designs for the rising middle classes
  • Gothic designs echoing Medieval churches
  • Introduction of large bay windows
  • High ceilings with tiled floors (usually in the hallway/porch)

Queen Anne (1880-1900)

What are the features of a Queen Anne house?

  • ‘Gingerbread house’ look with abundant decorative details
  • Asymmetrical facades with turrets and wraparound porches
  • Oriel windows and round oculus windows
  • Grand stone steps leading up to a wide door and porch

Edwardian (1901-1914)

What are the features of an Edwardian house?

  • Light-filled rooms with delicate ornamental accessories
  • Introduction of skirting boards, cornices and ceiling roses
  • Colourful-patterned tiles surrounding a cast iron fireplace
  • Large gardens (good for family homes)
  • Often had French doors out into the garden

Addison homes (1916-1920)

What are the features of an Addison house?

  • Surge of cheaper housing built around the Housing Act of 1919
  • Built for working classes coming home from WWI
  • Usually in suburbs within avenues, crescents and cul-de-sacs
  • Front and back gardens (now, many are converted to driveways)
  • Generally red bricked or pebbledash outer walls

30s Semi (1920-1939)

What are the features of a 1930’s house?

  • Wide bay windows upstairs and downstairs
  • Red brick which is generally covered up
  • Gradual sloped roof
  • Very spacious with good sized gardens for families

Airey/BISF houses (1940s)

What are the features of an Airey house?

  • Airey was the name of the designer – they aren’t airy houses!
  • Functionality-focused designs due to WWII
  • Steel construction surrounded by concrete
  • Small windows
  • No porch, but a small canopy over the doorway
  • Asbestos used, don’t venture under floors/into external walls

Modernism (1950s-60s)

What are the features 1950s and 1960s houses?

  • Council houses generally boxy and arranged in straight lines
  • Non-council houses more innovative with skylines
  • Simple, economic designs, materials and construction
  • Many built with concrete and two load bearing walls
  • Wide windows with large open panes
  • Concrete roof tiles on most houses

70s/80s Terrace/Semi (1970s-80s)

What are the features of 1970s and 1980s houses?

  • Generally followed on from modernism
  • Plain exterior walls with large windows
  • Shallow gradient roofs
  • Coloured bathroom suite with sapele doors
  • Streamlined kitchens with brightly coloured Formica tops
  • Introduction of insulation

90s new builds (1990s)

What are the features of a 90s house?

  • More simplistic look following the 70s/80s use of colour
  • Light wood interiors
  • Wall-to-wall carpeting
  • White kitchens with the popular use of ‘Hunter Green’
  • Low ceilings to preserve energy and reduce echoing
  • Clay-tiled roofs

Minimalistic (2000s-Present)

What are the features of a minimalistic house?

  • A whole range of simpler looking designs
  • Huge amount of insulation with double/triple glazed windows
  • Return of the colour black
  • Lots of glass
  • Introduction of solar panels onto roofs
  • Generally sits upon ‘second-class’ land

So there we have it! When it comes to your home, age really does matter. So, make sure you provide the correct information to your insurer when you set up your home insurance.   Failing to give the correct age of the property could affect your premium, or our ability to pay out on a claim… and nobody wants to find out they’re not insured because they provided the wrong details. If you'd like to find out why we've been given the prestigious Defaqto 5 Star Rating for our Home and Home Plus insurance, then get a quote from LV=.

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