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1. Increase your
Most insurance companies give
significant premium credits for
higher deductibles. Increasing your
deductible to $1,000, $2,500, or
$5,000 is a great way to offset the
increased premiums associated
with insuring your building
2. Insist on Guaranteed Replacement Cost
Guaranteed Replacement Cost is essential for full protection. This would cover you for
the full cost of rebuilding or restoring, regardless of policy limit.
policies with one
This will help to achieve package
discounts, avoid coverage gaps,
and create easier administration,
particularly if common effective
dates are used.
Fine Arts coverage is broadly defined,
with most insurers able to include
painting, sculptures, folk art, antiques,
and other items of rarity or significant
value that do not otherwise have a
coverage schedule (such as furs). This
coverage is typically very inexpensive
5. Take advantage
Insurers offer many credits that lower
the cost of insurance for homeowners
who have taken steps to reduce risks,
such as the installation of fire and
burglar alarms and building or
renovating with masonry. “Loss free
discounts” may be given to clients who
have not made a claim in a specified
6. Purchase All Risk
Many homeowners’ policies are written
on a named peril basis, which
provides more restrictive coverage.
7. Choose a quality independent broker.
One example is the National Trust Insurance Services, who has experience
insuring historic properties and can offer sound advice. Your insurance agent is a
financial advisor whose job is to protect what matters most to you.
The National Trust for Historic Preservation works to save America’s
historic places. Preservation Tips & Tools helps others do the same
in their own communities.
For more information, visit SavingPlaces.org.
NCinDC/Flickr/CC BY-ND-2.0; Ken
Ratcliff/Flickr/CC BY-2.0; .waldec/Flickr/CC BY-
2.0; smilla4/Flickr/CC BY-NC-2.0; Tekke/Flickr/CC
BY-NC-2.0; Darren Hester/Flickr/CC BY-NC-2.0;
Dennis Jarvis/Flickr/CC BY-SA-2.0; Dave