But maintaining and restoring your architectural treasure in the event of disaster involves complex considerations. Whether you’re looking to adequately insure your brick rental investment or you need a custom-tailored plan to protect your family’s generational dream home, Fenimore Insurance has the intimate insight you need.
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Due to their century-old history, classic brick brownstone residences can be high-maintenance and pose many challenges that translate into risk. For example, these homes often remain fitted with outdated systems. If you’re carrying a basic one-size-fits-all policy on your historic brownstone and the heating equipment fails mid-winter, you’ll likely be looking at paying thousands of dollars to bring systems up to code. Expect, on top of that, to shell out plenty more to restore the home’s historic features and details once internal systems have been updated.
Preserving original pre-war details per city regulation can be tricky, and — considering the effects of time alone — a brownstone owner can expect the likelihood of maintenance work on-sight. If a worker is hurt while laboring on your landmark brownstone, and you don’t have the right coverage, you could be liable for damages in the case of a lawsuit and could even lose your treasure.
These are just a few of the many optional features we can custom-tailor for your policy.
Contact Fenimore Insurance today for more information about insuring your brownstone, row home or brick property.
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