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Featured Daniel Carinci Agency, LLC Blog

Insuring a Historical Home

Insuring a Historical Home

What are the differences between insuring a historical home and a new home? Daniel Carinici Agency LLC of Pittsburgh, PA wants you to understand the differences between the two and the type of homeowners’ insurance they receive. Homeowners’ insurance differs depending on the type of structure and the credit history of the individual purchasing the insurance.

When you insure a historical home, you can’t do so with a standard home insurance policy. An HO-3, or standard policy, provides coverage for newer homes only. When you purchase a historical home, your home insurance will be an HO-8 policy. That policy type caters to older homes.

Your insurance agent will typically examine your home with a contractor to ensure it meets the building code. This examination documents the home’s condition before issuing a policy. The process saves the insurance agency from having claims filed for items like fires caused by faulty wiring or flooding caused by worn, burst pipes.

Home insurance policies that cover historical homes don’t cover the same items as an HO-3 policy. An HO-8 combines the coverage of a dwelling policy (HO-1) with liability, personal property, medical payments, and additional living expenses. A dwelling policy only covers the physical structure of the home and its attached structures, like a garage or porch. Another difference is that it only covers 10 named perils, while a standard policy covers all perils, providing what is called open-peril coverage.

When you know the differences upfront, you can make an informed buying decision and add coverage to your HO-8 policy to best protect your historical home. Contact Daniel Carinici Agency LLC of Pittsburgh, PA today to learn more about how homeowners’ insurance protects your home.

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Testimonials

Daniel Carinci Agency, LLC
4.8 out of 5 stars
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RG Electric LLC
RG Electric LLC
4 months ago

Amazing service and will highly recommend.

Mike Rafaloski
Mike Rafaloski
a year ago

These guys are amazing. Dan and Jamie have been great to work with while finding me home/auto insurance. I had no clue that my home was under insured on my previous policy. My new policy coverage is almost triple covered at a less premium. I'm happy I decided to give them a chance. They went above and beyond.

Caseybowser1
Caseybowser1
a year ago

Very fast and helpful when no one else was. Highly Recommended.

Megan layhew
Megan layhew
a year ago

This agency has been more than an insurance company but more as MY family! They have been there for years for everything along the way from new cars to homes to life insurance. This group means the most to me and my family and I would recommend them to anyone in the market or who isn’t a part of this nationwide group!

Partner Carriers

  • Aegis Security Insurance Co.
  • AIC
  • Allstate
  • American Modern
  • Aon Edge
  • Berkshire Hathaway Guard Ins.
  • Bristol West
  • BTIS
  • Donegal
  • Foremost Ins.
  • Frederick Mutual
  • Grange Ins.
  • Hagerty Ins.
  • ICW
  • Liberty Mutual
  • Miller's Mutual
  • National General
  • Nationwide Ins.
  • Openly
  • Orchid
  • Pie Insurance
  • Plymouth Rock
  • Progressive
  • Safeco
  • Secura
  • Selective
  • State Auto
  • The Hartford
  • Travelers