Unique homes

Tonight I was watching an interesting show on HGTV called "You Live in What?".  This is a show that showcases people that have made a home from very unique buildings such as a church, a slaughterhouse, a grain silo and even a hydro-electric dam.

As I watched with interest, I couldn't help but to think "I really wish I could look at their homeonwer's policy!"  Did you know that many standard homeowners companies will not write a policy on a home that is either historical nor for a building that was built to be something other than a home?   I recently came across this situation for someone who had a remodeled a train station into their home. 

If you have a home that is listed as historical or one that is a unique building, please make sure to discuss this with your agent.  You do not want to find out after a loss has occurred that there could be a problem rebuilding the home with the current features. And I do urge you to check out "You Live in What?" on HGTV....it was a very interesting and fun show to watch!