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Superior Insurance Specifically Tailored For Antique Homeowners
You may not be convinced that your antique home needs special
insurance, but are you sure you don’t need special protection?
It’s a matter of dollars and sense maintaining an older
home. If a loss occurs, don’t you want peace of mind
that your bank account won’t be in jeopardy? Here are
6 important insurance coverages that every antique homeowner
should consider when determining the quality of coverage you
are purchasing:
6 Coverages That Every Antique Homeowner Should Have
1. Costs to repair antique homes are higher.
Middlesex Mutual’s program the Restorationist has no
dollar limit to restore your home. This means you don’t
have to worry if you have the right amount of coverage to
repair your home with the same materials and craftsmanship.
Middlesex understands that old homes don’t come with
prefabricated anything, which is why they will pay to have
quality craftsmen make the necessary repairs.
2. Local building codes may cause unexpected out of pocket
costs during a loss
The Restorationist pays for building code upgrades to damaged
and undamaged portions of your home when authorities deem
them necessary after a loss. No one can predict what kind
of upgrades might be required by authorities. Why leave your
wallet exposed to unexpected expenses by choosing a policy
with limited law and ordinance coverage?
3. You may need temporary housing for a longer period of
time
Repairing antique buildings may require special craftsmen
or techniques that prolong the repair. The Restorationist
will pay your additional living expenses until the job is
done.
4. Living in a replica, or the real thing. Do you have a
choice?
Middlesex understands that after a total loss you may be
uninterested in living in a replica of your home. Instead
you’d like the option to buy another old beauty to cherish.
The Restorationist gives you a cash out option on total losses
making it possible to live in another antique home without
having to rebuild.
5. Back-up of sewers and drains could leave you with big
bills
The Restorationist covers these back-ups. It’s rare
to find older homes with completely modern plumbing; don’t
wait until a loss to find out what area wasn’t updated.
6. Getting rid of the damage may be a bigger problem than
you realize
You never know what could be hidden in your home. If it’s
asbestos shingles, floor tiles, or heating insulation it could
mean big bills to remove. Does your policy have limited coverage?
Act NOW to protect and assure that your antique home will
be restored in case disaster strikes!
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