Distinctive Homes Magazine Boston - Vol. 4 Issue 6 - (Page 13)

w What will you do when your homeowner’s insurance refuses to pay for the full cost of restoring your beautiful, one-of-a-kind antique home to its original condition after damage or disaster? If you have “ordinary” homeowner’s insurance for your extraordinary antique home, you may be in for an unpleasant surprise should your home become damaged or even destroyed. Your current homeowner’s insurance may not cover restoring your home to its original antique condition. Most homeowner’s insurance policies cover only “new for old” replacement, which means rebuilding the home with standard materials and features. They won’t pay for those beautiful originals—like stained glass windows, hand-carved moldings, beadboard, sconces, wainscoting, and the other hand-crafted features that give your antique home its unique charm and warmth. That’s where MiddleOak Specialty® can save the day and give you the peace of mind that comes from knowing your antique home is properly protected for any covered loss — from a wind-damaged roof to total destruction. Should your antique home be hit by a tree … or a windstorm … or a broken water pipe …or a storm damaged roof … or a chimney fire… you want to make sure your homeowner’s policy pays for the repair or restoration of the home – in full. And when you are protected by MiddleOak Specialty Antique Home Insurance, you’ll have the peace of mind that comes with knowing your antique home is fully protected. “I know of no other insurance that provides this type of coverage,” says Jeffrey E. Mutherbaugh, Connecticut Trust for Historic Preservation. “It’s an absolute must for the protection of antique homes.” One more thing: MiddleOak Specialty has been protecting antique homes for over 170 years. And MiddleOak Companies are rated A+ Superior by AM Best – a claim companies like Liberty Mutual, AIG, and Fireman’s Fund can’t make. Even if you think your homeowner’s insurance covers complete replacement costs for your antique home, many other carriers charge far more than MiddleOak Specialty for that kind of comprehensive protection. That means getting a quote from MiddleOak Specialty can potentially save you hundreds of dollars a year on your homeowner’s insurance — each and every year! Unlimited restoration coverage for your antique home. MiddleOak Specialty offers unique homeowner’s coverage for antique homes. It pays the FULL REPAIR OR REPLACEMENT COST for any portion of your home – or the entire structure. That includes paying for the full cost of hardwoods, historically accurate stains, shingles, replacement fixtures, antique shutters, and the hiring of skilled craftsmen who often charge premium prices for antique home restoration. Conventional homeowner’s insurance policies only pay for repairs and reconstruction up to the face amount of the policy, or a small percentage above that … but most always with a definite cap – a limit that may make it virtually impossible to recreate your antique home as it was before the damage. With a MiddleOak Specialty Antique Homeowner’s Insurance policy, you’re guaranteed full replacement cost of your antique home — including the cost of bringing the home up to current building code standards. Or, you can choose to take the cash — and buy or build another home somewhere else. It’s your call. That’s right. No matter how difficult it is to restore your style of period home, or how much it costs, you’re fully covered for every last dollar until it is restored to look like it was – No quibble. No hassle. No headache. Is that something your current homeowner’s policy can give you? It’s easy to find out. Free homeowner’s coverage analysis At no cost to you, we’ll review your current homeowner’s policy to see whether it fully covers rebuilding and reconstruction of your antique home – and if it does so at a competitive cost. The time to evaluate your homeowner’s coverage is now, before damage or disaster strikes. For a FrEE analysis of your current homeowner’s coverage, and a FrEE middleoak antique Homeowner’s Insurance Information Kit, call us toll-free at 888-655-6778 or email bill.hall@middleoak.com, or www.middleoak.com. Policies issued by Holyoke Mutual Insurance Company in Salem, Salem, MA, or Middlesex Mutual Assurance Company, Middletown, CT. Important: No coverage is provided by this summary nor is it to be construed to replace any policy provisions. You should carefully read your policy, endorsements, and declarations page for complete information on your coverages. Your policy provisions are final, regardless of information included in this summary. If there is a conflict between a policy and the summary, the policy will control. DistinctiveHomesOnline.com • 13 http://www.middleoak.com http://www.middleoak.com http://www.DistinctiveHomesOnline.com

Table of Contents Feed for the Digital Edition of Distinctive Homes Magazine Boston - Vol. 4 Issue 6

Distinctive Homes Magazine Boston -Volume 4 Issue 6 Renaissance Realtors, Inc Setting the Space - The Premier Staging Company H & Company Real Estate Bilus on Boston Coldwell Banker Keller Williams Ask Lillian RealityGuild.com Goodfellas Construction Towne & Country Sotheby's International Realty Getaway Homes of New Hampshire Susan Bradley Remax

Distinctive Homes Magazine Boston - Vol. 4 Issue 6

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