Mather and Pitts Insurance, Inc.
Call Us: (800) 232-0674

Do you have an antique or historic home?


Owners of antique or historic homes have unique needs, but they often have serious gaps in their coverage. At Mather & Pitts, we have special programs underwritten by Middlesex Mutual Assurance that offers the owners of these special properties 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 offer restoration of your existing home or full restoration cost in cash, up to the estimated replacement amount shown in your policy. The choice is yours.

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 to meet current codes. This process may include 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 of bringing the building up to the code as required.

Additional Living Expenses

After a serious loss, you may need temporary housing until the restoration work is completed. Our plans pay for the additional living expenses or 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 modern construction, so our policies have no dollar or time limits.

Replacement Cost On Personal Property

We offer plans that pay the full cost of replacing personal property such as clothes, furniture, and other belongings, with no depreciation applied. Since everyone has a different lifestyle, your agent will help evaluate your needs to make sure you choose the amount of coverage you need.

Business Property And Electronics

Though most companies exclude coverage for these items, our plans include additional coverage of $2,500 on business property and $2,000 on electronics such as cell phones and lap top computers, while in or on a vehicle.

Back Up Of Sewers And Drains

Many policies today provide nominal coverage for damage caused by the back up of sewers and drains or exclude it altogether. Our policies provide full coverage with no dollar limitation.

Scheduled Property Coverage

We have the ability to schedule items you feel have special value, such as antiques, fine arts, paintings, collections, jewelry, furs and silverware. We understand you might not want to replace an item if its sentimental value has been lost, so unlike some companies that require you to replace the article to get the full value, we offer worldwide claim payments at the insured value whether you replace the item or not.