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Buying a historic home often means more than just investing in a structure. It means taking ownership of the history of that home. The home insurance you obtain for it must meet those higher standards. We here at the Martin Insurance Team help property owners in and around Evergreen Park, IL find the right insurance for their specific needs.
What To Consider in Historic Home Insurance Products
Homeowners’ insurance for historic homes should cover the specific value and needs of that property. One of the most important factors is covering the total cost of the home. Choose insurance that allows you to have enough coverage to rebuild the home should a fire or other significant event cause damage.
Historic homes may have strict restoration and preservation requirements that require the use of specific materials. Before making a purchase of any home insurance, work with your agent to compare features:
- The guaranteed or extended replacement cost of the home should ensure that the rebuilt property meets historically accurate objectives.
- Special endorsements or add-ons may be necessary to protect what your standard coverage does not. For example, you may benefit from insurance that covers flooding, water backups, and sinkholes that typical insurance does not because of the risks to the structure.
- Ordinances and laws within the community may cover the use of modern building equipment.
Finding the Right Policy Means Getting a Bit of Support
To buy home insurance for your historic property in or near Evergreen Park, IL that meets your needs, let us help you. The Martin Insurance Team will help you choose an individualized policy that meets your specific goals and protects your historic home from the risks most likely to affect it. Contact us for a custom quote and consultation.
