Historic Home Insurance
Specialized coverage for older and historic properties.
Typical cost: $2,000 – $6,000+ per year
Historic Home Insurance
Historic home insurance provides coverage tailored to properties with historical significance. These homes often have irreplaceable architectural features, specialty materials, and restoration requirements that standard policies don't adequately address.
Restoration vs. Replacement
Standard replacement cost coverage may rebuild with modern materials and methods. Historic properties often require restoration to original specifications using period-appropriate materials and craftsmen—significantly more expensive than standard replacement.
Finding Coverage
Historic homes may not qualify for standard policies due to outdated systems or restoration costs. Specialized insurers understand historic properties and offer appropriate coverage, though premiums are typically higher.
What's covered
Restoration Coverage
Covers repair using historically accurate materials and craftsmanship.
Ordinance Coverage
Pays additional costs for historic preservation requirements.
Extended Replacement
Provides extra coverage when restoration exceeds standard limits.
Personal Property
Covers antiques and period furnishings at appraised value.
Liability Coverage
Protects against claims from visitors to the historic property.
Tips
- • Work with insurers who specialize in historic properties
- • Get appraisals for unique architectural features and materials
- • Understand local historic preservation requirements
- • Document original features with detailed photographs
- • Update systems carefully to preserve insurability and historic character
Other home insurance types
Condo Insurance
Coverage tailored for condominium owners and their unique needs.
Townhouse Insurance
Protection for townhouse owners including shared wall coverage.
Mobile Home Insurance
Specialized coverage for manufactured and mobile homes.
Vacation Home Insurance
Coverage for second homes and seasonal properties.
New Construction Insurance
Protection for newly built homes during and after construction.
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