Homeowners Insurance

Insurance for homes with distinctive or custom features. Chubb can provide higher levels of protection and service, including actual rebuilding costs and rebuilding to code.

The U.S. Department of Housing and Urban Development's (FHA) has a flexible loan program that helps developers, investors, and families at all income levels to buy and restore properties in urban and rural historic districts. The 203(k) Mortgage Rehabilitation Insurance Program helps preservationists deal with problems such as appraisal barriers, the high cost of second mortgages, and prohibitive down payment and closing costs.

Offering "specialty dwelling" insurance in 30 states. Coverage for older homes, homes under renovation, lower value homes, homes with minor cosmetic problems, homes with market value below replacement cost, seasonal homes and vacant homes.

MDP, which has been protecting their clients' assets since 1875, now can help National Trust members evaluate their insurance needs and obtain the coverage necessary for their home, whether it's a farm house from the 1700s, a turn-of-the-century Victorian, or a Cape built in the fifties. MDP can also work with owners of newer structures.

The Restorationist SM program is a specially tailored insurance policy for homes built prior to 1930. Coverage includes true replacement costs and replacement to current code.

Trying to preserve America's heritage often means a struggle to find funding. To simplify the search for money, the National Trust has created three information sheets that describe resources that can help.