What's Special About Insurance for Historic Homes?
Last updated October 31, 2026
The short answer
Why Historic Homes Need Different Coverage
Historic homes often have features that are hard to replace, such as plaster walls, wood trim, or custom windows. A standard policy might only pay for modern equivalents, which can change the character of your home. That is why you need to look closely at what your policy says about replacement costs.
Many policies use actual cash value, which subtracts depreciation from the payout. For an older home, that can leave you far short of what repairs actually cost. Some policies offer replacement cost coverage, but even that may not cover the exact materials your home needs. You may need a policy designed for historic properties.
- Check if your policy covers like-kind materials
- Ask about code upgrade coverage for updated systems
- Review your coverage limits regularly
- Keep photos and records of original features
What a Historic Home Policy Usually Includes
A policy for a historic home often includes coverage for the cost of rebuilding with similar materials and techniques. That can mean higher premiums, but it also means you are not stuck with drywall in place of plaster. Some policies also cover the cost of meeting current building codes after a loss.
You may also see coverage for additional living expenses if you cannot stay in your home during repairs. That can be important because restoring a historic home often takes longer than a typical repair. Talk to your insurance company about what is included and what is not.
Policies vary, and your insurer decides what is covered.
How Water Damage Affects Historic Homes
Water damage is a serious risk for historic homes because old materials absorb moisture and can warp, stain, or rot. Plaster walls may crumble, and wood floors can buckle. Quick action is important to limit the damage and keep costs down.
If water damage happens, the pros can dry out the space and assess what can be saved. They often work with you to document the damage for your insurance claim. The goal is to preserve as much of the original structure as possible.
Steps to Take Before a Loss Occurs
Before a loss, you can take steps to protect your historic home and your insurance position. Keep a detailed inventory of your home's special features, including photos and any documentation you have. Store that information somewhere safe, like a fireproof box or a digital backup.
Also, review your policy every year or two to make sure it still matches the value of your home. If you make improvements, tell your insurance company. If you live in Mesa, keep your shutoff valve location written down so you can act fast in a water emergency.
How to Handle a Claim After Water Damage
After water damage, your first step is to stop the water source if you can do so safely. Then call the pros to start drying and cleaning. Document everything with photos and notes, as that helps with your claim.
Contact your insurance company as soon as possible to report the loss. They will likely send an adjuster to inspect the damage. Be prepared to explain the historic features that were affected, as that can affect what is covered.
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Call Now (480) 898-4279Frequently asked questions
Does standard homeowners insurance cover historic homes?
Sometimes, but standard policies may not pay enough to rebuild with original materials. You may need a policy specifically for historic or older homes. Check your policy and talk to your insurance company about replacement cost options.
What is a code upgrade endorsement?
It is an add-on to your policy that pays for bringing your home up to current building codes after a covered loss. That can be important for historic homes, because old wiring or plumbing may not meet modern standards.
Can I use any contractor for repairs?
Your insurance company may have a list of preferred contractors, but you are not always required to use them. For historic homes, you may want to hire pros who understand old construction methods. Ask your insurer about their requirements.