Historic home insurance checklist: what to gather before a quote

Your quote-preparation checklist

• Property address, year built and approximate living area
• Current use: primary, seasonal, rental, renovation or unoccupied
• Current policy declarations and renewal or nonrenewal notice
• Required coverage date and any closing or lender deadline
• Roof material, condition and known replacement or repair dates
• Electrical, plumbing and heating updates with scope of work
• Photographs of the exterior and important original features
• Designation records, applicable restrictions and agreements
• Requested claim history, claim status and repair documentation
• Planned restoration, occupancy changes and project schedule
• Antiques, collections, detached structures and other special concerns
• Three policy questions you want answered in writing

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Ask these questions while comparing quotes

How would the proposed policy treat your original materials? What settlement method applies to the dwelling and roof? What deductible would apply to the hazards that concern you? What inspections or repairs would be required, and by when?

Ask separately about flood. FEMA explains that most homeowners insurance does not cover flood damage. Review the proposed flood contract’s treatment of the building, belongings, basement areas and any temporary-housing needs rather than assuming it matches the homeowners policy.

For valuable belongings, ask how antiques, fine art and collections would be valued and whether additional coverage is appropriate. The NAIC identifies endorsements as one way to address such needs. Have current photographs and any available appraisals ready, and ask what further documentation is required.

Put the urgent item first

If your policy is ending, lead with the effective date on the notice. If you are buying the home, lead with the closing date and lender requirements. If restoration is starting, explain when work begins and whether anyone will remain in the house.

These dates help organize the conversation, but they do not guarantee a turnaround time or coverage. Call 888-400-1045 and explain what you have and what is still missing. Never guess at a material fact just to finish an application.