Insurance for historic Five Points and Hayes Barton homes

Around Five Points / Hayes Barton

• Five Points intersection
• Glenwood Avenue
• Fairview Road
• Whitaker Mill Road
• Oberlin Road
• Hayes Barton
• Bloomsbury
• Vanguard Park

Rebuilding an older home

Many homes here date to the 1920s and 1930s, with plaster walls, hardwood floors, detailed millwork and original windows. Replacing that craftsmanship after a fire can cost far more than a typical rebuild, so we pay close attention to the dwelling limit, guaranteed or extended replacement cost options, and ordinance or law coverage for code upgrades.

Wiring, plumbing and roofs

Insurance companies ask about the age of a home’s electrical system, plumbing and roof. Older systems such as knob-and-tube wiring or galvanized pipes can limit which companies will offer coverage. If you have renovated, the dates and permits for those updates can open up more options.

Oaks, storms and water

The tree canopy is what makes these streets famous, and it’s also why limb and tree-fall damage is a real concern during summer thunderstorms and tropical systems. Older sewer lines can back up during heavy rain, so we recommend water backup coverage, which is often not included automatically.

Art, jewelry and liability

Homes in established neighborhoods often hold heirlooms, art and jewelry that exceed a standard policy’s limits for valuables. Scheduling those items, plus an umbrella policy for personal liability, rounds out the program.