Old Home Program

"Homes with Character Need Insurance With Character"™

Insuring Your Historic Home

Historic homes have a handcrafted elegance-classic building touches not all insurance brokers and companies understand or appreciate.

Whether your vintage home is an ornate Victorian or a classic Tudor, working with an insurance broker who understands the challenges of maintaining and restoring your home is key to seeing your home properly restored or rebuilt in the event of a loss.

Replacement Value vs. Market Value

To ensure your home will be rebuilt as it looks today, it must be evaluated and insured for its "Replacement Value" or "Cost to Rebuild", Often times, this is more than the purchase price or current estimated tax value.

Why be concerned?

Why be concerned? Pre-WWII homes dominate the housing stock in many St. Paul and Minneapolis neighborhoods.

Indeed, the presence of pre-WWII construction is often recognized as a key factor in the increasing popularity and market values of our urban neighborhoods. If your insurance coverage does not recognize the importance of putting the "character" back into your home, you may face unexpected out-of-pocket expenses to replace what has been lost, or suffer a diminished resale value as your house no longer has the qualities buyers look for in your neighborhood.

What about antiques & fine art?

As an insurance broker, we understand your passion for your home. Many of our clients feel they are caretakers of a piece of history for future generations. We partner with you to create a custom risk-reducing program, incorporating an option for insurance with one of the many companies we represent. We are also sensitive to the financial aspects of historic homeownership. Our price formula will look for ways to help you manage your insurance costs wisely.

Why is R & R different?

As an insurance broker, we understand your passion for your home. Many of our clients feel they are caretakers of a piece of history for future generations. We partner with you to create a custom risk-reducing program, incorporating an option for insurance with one of the many companies we represent. We are also sensitive to the financial aspects of historic homeownership. Our price formula will look for ways to help you manage your insurance costs wisely.

Our Process

Unlike many insurance professionals, we are not interested in having you call us for a quote. Although we try to make the process as efficient and convenient as possible, a personal visit to your home is often the best way to start. Contact us today to schedule a time to discuss your specific situation. Our services are always confidential and with no obligation.