Protecting the Past with Policies for the Future We understand that owning a historic home isn’t just about square footage or curb appeal — it’s about preserving a piece of history. Historic homes come with unique beauty, architectural significance, and irreplaceable craftsmanship. But they also come with distinct insurance needs that standard homeowner insurance policies may not fully cover. That’s where our Historic Home Insurance service steps in.
Historic properties often carry higher repair and restoration costs due to:
Specialized materials and labor
Older construction methods
Local or national historical preservation requirements
Unique architectural elements
Traditional home insurance may not account for these factors — but our coverage does.
Your home might qualify as historic if:
It is listed on a local or national historic registry.
It was built over 50–100 years ago.
It retains original architecture, fixtures, or materials.
It contributes to a designated historic district.
Whether it’s a Victorian, Colonial, Craftsman, or Mid-century Modern gem, we tailor our policies to your property’s era and style.
We provide comprehensive protection that includes:
Full reconstruction cost coverage, including specialized craftsmanship
Restoration consulting if preservation guidelines apply
Coverage for antique features like stained glass, original woodwork, and hand-crafted masonry
Liability protection for public tours or events (where applicable)
Optional coverage for valuable contents like heirlooms or period furnishings
You can also combine your policy with General Liability Insurance if your historic home doubles as a venue or business.
From San Francisco’s painted ladies to Pasadena’s bungalows and beyond, we’ve worked with hundreds of homeowners across California. We partner with local preservation experts, restoration contractors, and legal advisors to help you meet both state and federal guidelines while ensuring your peace of mind.
We provide trusted and affordable homeowners insurance tailored for California residents. Our goal is simple: to help you protect your home, belongings, and peace of mind with coverage that fits your life. With expert guidance and flexible options, we’re here to make insurance easy and reliable.
