Offering Unique Coverage for Antique Homes
MAPFRE understands the coverage your antique home deserves. In the event that your home needs restoration MAPFRE goes the extra mile. We will even help you find specialized craftsmen and materials to restore your home to its original condition.
We also Provide a Variety of Endorsements Including:
Guaranteed Restoration Cost for your Home and Outbuildings
We understand how important it is for you to preserve the historic integrity of your home. With this coverage, we will pay to restore your home using materials and construction types true to its historic origins.
In addition, the amount we pay to repair or replace your home and other specifically insured structures on your property is not limited to the dwelling and/or structure amount listed on your policy. With this coverage, you can rest assured that any unexpected costs that arise from significant losses are taken care of. This includes additional costs for builders and materials if other homes are damaged along with yours.
Ordinance or Law Coverage
Whenever there is a loss, the latest building codes may require you to demolish and upgrade undamaged portions of your home to comply with codes that were changed after your home was built. Most policies pay some amount to cover the additional cost of compliance with updated building codes, but we go even further! We cover an additional amount up to the full dwelling amount listed on your policy set aside just to pay for revised building code requirements.
Additional Living Expenses
We understand that your home is not a standard one and may take longer to repair or rebuild. We will pay for additional living expenses for however long it takes to repair or replace your home. This coverage will ensure that you continue the same standard of living until your home is ready to move back in.
In case of a total loss, you get to choose - you can either choose to rebuild your home, or take a cash settlement for an equivalent amount.
Backup of Water from Sewers or Drains
Many policies limit this important coverage. We provide significantly higher coverage.
Personal Property Covered for All Risks
Most policies cover personal contents only for a specific list of loss types like fire, windstorm, theft, etc. With this coverage, we cover personal contents for a much broader range of possible losses including things you wouldn’t normally think about such as accidentally spilling paint on your clothes and furniture.
Blanket Coverage Available for Your Most Valuable Possessions
We offer blanket coverage for jewelry, furs, fine arts, and silverware, giving you the ability to insure your valuables with enhanced coverages without declaring and listing each item. No appraisals are required for our blanket protection package. For more extensive collections, we have comprehensive coverage options available.