At T R Williams Insurance in Findlay, Ohio, we know older homes come with charm—and challenges. If you own a historic or aging property, here’s what you need to know about home insurance for older homes.
Older Homes Come with Unique Insurance Challenges
Historic and aging homes often have outdated plumbing, wiring, or roofing that increases the risk of fire or water damage. Insurance carriers may require inspections or limit coverage based on a home’s condition. We help you find policies designed specifically for older properties.
Replacement Cost Coverage Is Key to Proper Protection
It costs more to repair or rebuild a vintage home using original materials and craftsmanship. That’s why actual cash value policies may fall short after a claim. We recommend replacement cost coverage so you can restore your home without compromising its character.
Code Upgrade Coverage Can Save You Thousands
If you file a claim on an older home, your repairs must often meet current building codes. That can mean costly upgrades to electrical, HVAC, or plumbing systems. T R Williams Insurance helps you include ordinance or law coverage to keep you compliant—and financially protected.
Liability Risks Increase with Age and Layout
Older homes may have steep staircases, narrow hallways, or uneven floors that increase the risk of accidents. We review your liability coverage to ensure guests and visitors are protected if injuries occur on your property.
Work With a Local Agent Who Understands Ohio’s Historic Homes
From Victorian houses in Findlay to farmhouses across Northwest Ohio, older homes deserve tailored insurance. T R Williams Insurance works with top-rated carriers to secure the best coverage for your unique property.
Does your vintage home have the right protection? Call us at (419) 423-3720. Follow us on Facebook for news and updates. Protect your investment and preserve your home’s charm with customized home insurance for older homes.