Historic Property Insurance
Zurich’s Historic Properties program offers insurance coverage to qualified properties that are:
- Listed on the National Register of Historic Places or a state or local register
- Contributing buildings in a historic district
- Built before 1950 and having the same coverage needs as listed designated historic properties
Business owners: Contact your insurance agent or broker
Insurance agents
Call a specialist now 866-813-3972
Appetite
- City or social clubs
- Hotels or inns
- Museums
- Preservation organizations
- Real estate and retail property
- Restaurants
- Theaters
Geography
- Nationwide except Hawaii
Coverages offered:
- Property – Historic Replacement Cost, Guaranteed Cost, Cash Value Option
- General Liability
- Historic Tax Credit Recapture
- Business Income
- Commercial Auto
- Depending on the line of business, ACORD applications (with completed SOV) and supplemental applications are required.
- Loss runs for the past five years and financials are also needed.
- Valuation experience and historic appraisals from specialists who have reviewed historic properties nationwide.
Frequently Asked Questions
What is Historic Property Insurance?
Historic Property Insurance may be essential in helping historically important structures continue to stand the test of time so they can be appreciated for generations to come. Coverage needs can range from core property protections (such as Historic Replacement Costs) to Historic Tax Credit Insurance, depending on public access to and business uses for the building. Buildings of historical importance have significant cultural and social value that affects their overall economic value and what’s needed to protect these architectural landmarks.
What kind of buildings are covered by Historic Property Insurance?
The program offers coverage to qualified properties listed on the National Register of Historic Places or a state or local register, or a building contributing to a historic district or built before 1950 and having the same coverage needs as listed designated historic properties. Targeted classes include museums, hotels or inns, theaters and other types of buildings constructed before 1950. Our historic home coverage is designed for house museums (not residential). See our appetite details for more information.
Why choose Zurich for Historic Property Insurance?
We work with a Program Administrator experienced in the many nuances impacting property insurance for historic buildings. We collaborate with appraisal and valuation specialists who not only understand the market but also appreciate how meaningful these structures are to their owners, operators, visitors and patrons.