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@east81 I don't know for sure. I opted to get a small flat w/o a mortgage rather than something bigger but with a mortgage attached so I am cruising without insurance at the moment.

@east81 You can't know that for sure. On average, yes. I visited a few new-ish building that bad cracks I could put a finger in. They were less than a decade old. I saw literal soviet era housing that was in better condition.

@east81 Maintenance is something that people mentioned and as a young homeowner I can't stress that enough. Shit WILL break and it will be your responsibility to fix it or find someone who can. Depending on what exactly broke - fast. You can't have your pipes leaking water or your electricity...