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Historic Homeowners
Loss Protection
Water Damage
Fire
Theft
Specialized Coverage for Historic Homeowners
National Trust Insurance Services, LLC offers a tailored Historic Homeowners Insurance program designed specifically for the unique needs of historic and landmark residential properties. As a Managing General Agency with access to various carriers, we provide independent agents and brokers with the tools to place coverage for clients who own architecturally significant or historically registered homes.
Ideal Accounts and Target Properties
This program is best suited for:
Owner-occupied historic homes
Homes listed on federal, state, or local historic registers
Properties maintained to preserve original architecture and character
High-value homes with unique restoration or preservation needs
For example, you may have a client who owns an 1890s Victorian home on the state historic register and needs protection that considers restoration costs and materials. Our program is built for these types of risks.
Coverage Highlights and Advantages
Our Historic Homeowners Insurance program provides broad protection tailored to the exposures associated with older, heritage homes. Key coverages available may include:
Coverage for historic reconstruction costs
Protection against water damage and plumbing issues common in older homes
Fire and smoke damage coverage
Theft and vandalism protection
Loss of use coverage during restoration
We understand the complexities involved in rebuilding historic homes to their original specifications, and our program is designed to accommodate those specialized needs.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on location, home value, and other underwriting factors. Our underwriting team evaluates each submission individually, with a focus on homes that are well-maintained and have preservation efforts in place. Risks with significant deferred maintenance or major renovations in progress may not qualify.
Territories and Availability
This program is available in most states, including but not limited to CA, FL, NY, TX, CO, GA, NC, and VA. We currently offer solutions in over 45 states and the District of Columbia, making it easier for you to place historic homeowners business across diverse regions.
Why Partner With National Trust Insurance Services
National Trust Insurance Services is a trusted resource for agents looking to serve the historic property niche. With decades of experience and access to a broad network of carriers, we provide responsive service, competitive options, and expert knowledge in the historic preservation insurance space. Whether your client owns a classic Colonial in New England or a Craftsman bungalow in the Pacific Northwest, we can help you craft the right solution.
Frequently Asked Questions
What types of accounts are a good fit for this program?Owner-occupied homes listed on historic registers or properties with architectural significance are ideal. Homes must be well-maintained and preserved.
Is this program available in all states?The program is available in most states, including CA, NY, TX, FL, and many others. Check with our team for state-specific availability.
Can homes undergoing restoration qualify?Homes with minor restoration may qualify, but properties undergoing major renovations or with extensive deferred maintenance may not be eligible.
What coverages make this program unique?Coverage for historic reconstruction, water damage, fire, theft, and loss of use are tailored to the needs of older, historically significant homes.
What is the minimum premium for this program?Minimum premiums vary depending on the property's value, location, and risk characteristics. Contact us for a quote based on your client’s needs.
Need help placing an account? Connect with a market specialist.
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