How do I get insurance for a historic home?

Insuring a historic home requires specialized coverage because standard policies are based on modern construction methods and materials. Look for insurers that specialize in historic or older homes. A modified replacement cost policy or a functional replacement cost policy may be more appropriate than standard replacement cost. Be prepared for a higher premium due to unique materials, older systems, and higher reconstruction costs. Some states offer grants or programs to help historic homeowners with insurance costs.