Home Insurance for Unique Situations

Historic Homes

• Historic Restoration Costs: Repairs for historic homes often require specific materials or techniques, which can be expensive. Specialized policies are available for older homes to cover restoration costs.
• Specialist Contractors: Some insurers require approved contractors for restoration, so check if there are restrictions in your policy.

High-Value Homes

• High-value or luxury homes often need specialized insurance policies that cover high-end finishes, materials, and features.
• Guaranteed Replacement Cost: High-value home insurance often includes guaranteed replacement cost and higher limits on personal property.
• Extra Liability Protection: These policies usually include higher liability limits, ideal if you entertain frequently or have features like a pool or extensive grounds.