New York Historic Home Insurance

Independent agency serving the historic home insurance needs of Highland, Poughkeepsie, Kingston and all of New York since 1990.

Your historic home is your most valuable asset and an integral part of your daily life. That’s why having the right historic home insurance policy in New York is so important. If your historic home were damaged or destroyed, would your policy offer enough protection to get your life back on track?

Accent Insurance Services, LLC of Highland, NY can help you find a historic home insurance policy that will offer you the protection you need at a price you can afford.

About Historic Home Insurance in New York

Historic homes are full of value, stories, and expenses. If you’ve recently purchased a historic home you may be thinking about restoration projects. Before you start investing and restoring your historic home, make sure that you’re well protected with a historic home insurance coverage plan.

Historic homes should be protected with a specific coverage plan. Many historic homes have special and one-of-a-kind features throughout the house such as original hardwood floors, stained glass, or other unique details. Although a regular homeowners insurance plan may protect the home, a historic home insurance plan can help protect the home’s distinct historic features and value.

What does homeowners insurance cover?

Every home insurance policy is different, but most policies provide the following coverages:

Property or Dwelling Coverage
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Personal Liability Coverage
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

Medical Coverage
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses — commonly for up to 24 months — while damage is assessed and your home is repaired or rebuilt.

Personal Property Coverage
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Additional historic home insurance coverages

The following options are additional coverages that a historic home insurance policy can offer:

Replacement Coverage
Your historic home may be filled with unique details that may be difficult to replace. An additional replacement coverage can help replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Historic Personal Property Coverage
Many historic homes come with expensive antiques or valuable artwork. You’ll want to make sure your insurance policy covers these items.

Medical Coverage
You may have several people either looking or working on site at your historic home. Medical coverage will provide protection for guests if they are injured on your property, and in certain cases covers people who are injured off of your property.

Every historic home is unique – talk to us today to find out how to get the best price and value on historic home insurance in New York.