Harrison, a charming town known for its historical significance, is home to a myriad of older houses that exude charm and character. While these historic homes are cherished for their architectural beauty, insuring them can often pose challenges due to their age and unique construction. In this article, we will explore the hurdles faced by homeowners in insuring older homes in Harrison, as well as potential solutions to ensure the preservation of these valuable properties

  1. Age and Material Limitations:
    One of the primary challenges in insuring older homes lies in their age and materials used during construction. Many older homes in Harrison were built using materials such as brick, stone, or wood, which may not meet modern building standards. Insurance companies often view these materials as more susceptible to damage, increasing the risk of claims. Consequently, homeowners may face higher premiums or limited coverage options.
  2. Outdated Electrical Systems:
    Electrical systems in older homes are often outdated and may not meet the safety standards of today. This poses a significant concern for insurance companies, as faulty wiring can lead to fire hazards. Homeowners may need to upgrade their electrical systems to meet safety requirements, but this can be a costly endeavor.
  3. Aging Plumbing and Heating Systems:
    Another common issue faced by owners of older homes in Harrison is outdated plumbing and heating systems. These systems may be more prone to leaks, burst pipes, or other malfunctions, which increases insurance risks. Homeowners may need to invest in updating their plumbing and heating systems to ensure the safety and reliability of their homes.
  4. Preservation and Valuation:
    Preserving the historical integrity of older homes is vital for maintaining their value and appeal. However, insurance companies may not fully understand the unique characteristics and historical significance of these properties, leading to undervaluation during the underwriting process. Collaborations between homeowners, historical societies, and insurance providers can help bridge this gap and ensure accurate valuation.


a. Seek Specialized Insurance Providers:
Homeowners of older properties should consider seeking out insurance providers specializing in historic homes. These companies possess a better understanding of the unique challenges faced by homeowners and can offer tailored coverage options.

b. Conduct Regular Maintenance and Upgrades:
To mitigate insurance risks, homeowners should prioritize regular maintenance and necessary upgrades. This includes electrical, plumbing, and heating system updates, as well as routine inspections to identify potential issues before they escalate.

c. Document and Preserve Historical Features:
Homeowners should document and provide evidence of historical features, architectural elements, and renovations made to their homes. This valuable information can help insurance companies better understand the property’s worth and minimize the risk of undervaluation.

d. Collaborate with Historical Societies:
Engaging with local historical societies can foster partnerships to advocate for the preservation and protection of older homes. Such collaborations can potentially lead to the establishment of insurance programs tailored specifically for historic properties.

Preserving the charm and historical value of older homes in Harrison requires overcoming insurance challenges unique to these properties. By understanding the hurdles faced by homeowners and implementing proactive solutions, we can ensure the long-term protection and conservation of these valuable pieces of history. Through collaboration between homeowners, insurance providers, and historical societies, we can strike a balance between preserving the past and securing the future.