We know that owners of Antique or Historic homes have unique needs. The owners of these special homes can have serious gaps in their coverage.

At Mather & Pitts, we have a special program for your special home. Our program, underwritten by Middlesex Mutual Assurance, offers these unique benefits:

True Guaranteed Restoration Cost Coverage For Your Home
Many companies claim that they guarantee the cost of restoring your home if you have a serious loss. But then they limit the guarantee and put the risk on you to insure it for the right amount. With the RESTORATIONIST you get a true guarantee with no dollar limit.

True Guaranteed Restoration Cost Coverage On Outbuildings Most companies limit coverage for a barn, carriage house or other detached structure. We offer the same true guarantee on these structures as on your home.

Cash Settlement On Total Losses
We understand that, in the event of a total loss, you might prefer to purchase another antique home rather than build a reproduction. Some companies will require you to replace at the same location or take a reduced payment. We will pay me full restoration cost in cash, up to the estimated replacement cost shown in your policy or restore your existing home. It is your option.

Building Law And Ordinance Coverage
Building codes have changed since the 17th century. In the event of a loss, local authorities may require you to upgrade the undamaged portion of your home such as, reinforcing the entire structure, replacing the electrical system, or even moving your home further back from the road. Many policies do not provide coverage for these potentially expensive upgrades. Our policy provides the full, actual cost to bring the building up to the code required by the prevailing building authority.

Additional Living Expenses
After a serious loss, you may need temporary housing until the restoration work is completed. We will pay for the additional living expenses co have you housed in the style to which you are accustomed, for as long as it takes to restore your home. We know restoration work can take longer than modem construction so our policy does not have a dollar or time limitation for this coverage.

Replacement Cost On Personal Property
We pay the full cost to replace personal property such as clothes, furniture, and your other belongings. There is no depreciation applied. Since everyone has a different lifestyle, you choose an amount of coverage you need. Your agent will help you evaluate your needs.

Business Property And Electronics
We include additional coverage of $2500 on Business Property and $2000 on electronics such as cell phones and lap top computers while in or on a vehicle. Most companies exclude coverage for these items.

Back Up Of Sewers And Drains
Many policies today exclude damage caused by the back up of sewers and drains. Some companies provide nominal coverage. Our policy provides full coverage without a dollar limitation. Scheduled Property Coverage
We have the ability to schedule items you feel have special value. Antiques, fine arts, paintings, collections, jewelry, furs. and silverware are the typical items scheduled. Coverage is worldwide and claims payments are made at the insured value whether you replace them or not. Some companies require you replace the article to get the fall value. We understand you might not want to replace an item, if its sentimental value has been lost.