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Possibly the most important home insurance factors for historic buildings are the ability to cover the cost to replace losses and repair damages. This means you’ll likely want coverage that guarantees your home’s unique construction can be restored.
Consider options like agreed value coverage, valuables protection and building code upgrades for the best protection possible. But wide coverage does come at an extra cost.
Your historical home needs dwelling and liability protection like any other nest, but consider a few extras for upgrades and authentic restoration. Coverage includes:
Home insurance for a historic home can cost around 20% higher than standard home insurance. For example, if a standard policy costs $1,200 a year, you might pay $1,440 to insure a historic home.
The best way to lower insurance costs for a historic home is to repair and reinforce areas that increase its risk of damage, which is why it tops our list of ways to cut historic home insurance costs.
Keeping your iconic home true to its time may involve extra care or steps. Consider these factors when insuring your historical space:
Your antique home needs extra TLC when making repairs or replacements, and extra insurance coverage like building code upgrades can help. Even if you go without some options, consider agreed value or guaranteed replacement cost to make sure your home is protected at its true replacement value.
Before making your purchase, compare home insurance companies that offer the best mix of affordable coverage and benefits to fit your needs.
If you’re looking for a broker comparable to Vanguard, check out these five contenders.
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Transform your home without leaving insurance gaps while your home’s under construction.
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No-cost options are available, but these policies may not offer the coverage you need.
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