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National Trust - Heritage Home Insurance

Protect your heritage home with reliable and customized heritage home insurance with Marsh Canada. Get a quote today and make sure your historic home is fully protected.

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Heritage Home Insurance

Marsh can help you find the right coverage for your heritage home insurance. Our customer-focused approach combines customized solutions, expert knowledge, and efficient claims advocacy.

Property

Provides financial protection for your physical home and other structures on your property, such as garages or sheds, covering the costs of repair or replacement in case of damage from events like fire, theft, or natural disasters.

Liability

Protects you financially if someone is injured on your property or if you or a family member causes damage to others' properties, covering legal expenses and any awarded damages.

Contents

Protection for the personal belongings within your home, including furniture, appliances, and clothing, reimbursing you for loss or damage due to covered perils.

Water Damage

Provides financial protection against losses caused by water-related events, such as burst pipes or sewer backup.

Why a Special Insurance Option for Heritage Homes?

In the last several years, it has been increasingly difficult to secure house insurance for some heritage homes. While there can be unique challenges to insuring heritage homes, including regional differences in municipal regulations, we know that there are many Canadians who want to continue to care for their heritage property. And they need an insurance solution that is affordable and works for them. Our goal is to grow Canadians’ access to workable insurance solutions that support and sustain heritage in Canada for the future. 

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Why Choose Heritage Home Insurance from Marsh Canada?

Marsh is globally recognized as one of the leading insurance brokers and risk advisors. With 150 years of industry experience and knowledge, we provide tailored solutions to meet our client's specific insurance needs. We understand the complexities of home insurance and aim to provide comprehensive guidance and advice to ensure customers have the right coverage. 

FAQs

Frequently Asked Questions About Heritage Home Insurance:

Older construction, unique materials, and preservation regulations increase risk for insurers. Electrical, plumbing, or heating systems may be outdated, which adds to potential hazards. Many standard insurers avoid this added complexity and cost. 

 

Work with insurers experienced in heritage properties. Look for policies that cover the restoration to the standard that you need, agreed value coverage, and liability protection. Regularly review your policy as the home or regulations change.

Know whether your home has a heritage designation and what approvals are required to make changes to your home.  Confirm what renovations have been completed, including changes to the electrical and plumbing systems.  All of these factors can affect risk and the cost of repairs in the case of a loss.

 

Restoring a heritage home can cost significantly more than replacing a modern home. Underinsuring could leave you covering a large portion of repair costs yourself. Proper valuation ensures the home’s historical features, and your finances are protected.

 

Yes. While not formally part of the Heritage Home insurance program, Marsh can give you a quote for most kinds of insurance.  

 

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Get a quote today and make sure your heritage home is fully protected.

Get a Quote