Insuring an Heritage Property

A number of heritage homeowners are told, falsely, that this type of building cannot be insured. Although some insurers may refuse to cover heritage homes, home insurance is, in fact, available for these types of property.

Here are a few useful tips that will assist you in finding and purchasing an appropriate insurance product for your heritage property.

Look into your municipality’s rebuilding regulations

Before you contact an insurer, look into the municipality’s rebuilding regulations.  Insurers require this information to adapt the coverage offered. 

Shop around and talk to different insurers

Some insurers may not offer insurance products for heritage properties, simply because they have not developed this market. Therefore, we recommend you shop around and talk to several insurers to find one that offers the products adapted to your needs as heritage homeowner.   

Not to insure rather than insure partially

It is perfectly normal that an insurer chooses not to insure a heritage property rather than offer incomplete or inadequate coverage.  Don’t give up! See with other insurance brokers or companies if they can offer you the appropriate insurance product that will provide you with the protection you need.

Heritage property specialists

If nothing comes of contacting several insurers, please note that there are specialized insurers who will accept to cover heritage properties. 

IBC can assist you

The Insurance Bureau of Canada (IBC), via its Insurance Information Centre, can also guide you with the information you need and help you find insurance for your heritage property.


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