California Home & Fire Insurance For Older Homes (built pre-1945)

Are you being refused home or fire insurance coverage because you have an older home?  Einhorn Insurance offers affordable fire and home insurance policies for properties built before 1945.  To qualify, homes may be a historic dwelling or just built a long time ago.   california historic home insurance

With the recent wild fires and increase in claims, home insurance carriers are reevaluating which homes they want to insure.  When it comes to older homes, most insurance companies charge higher rates or just decline coverage.


At Einhorn Insurance, we know that just because your home is “older,” that doesn’t mean it’s not in good condition.  Some of the most beautiful homes are built in the early 1900s and are the historic dwellings that make our California cities ooze with charm and heritage. 


Whether you have an adorable Victorian, a Spanish Villa/Bungalow or a restored Farmhouse, we can help.


We recently purchased a home built in 1915 and love its “historic flavor”.  Often, those who purchase older homes respect the property’s charm and make an extra effort to preserve and maintain the home’s originality.


When insuring older homes, Einhorn Insurance understands the unique insurance needs.  We provide extra coverage for building code upgrades and make sure your plaster walls and original wood floors are covered. 


Our policies consist of 3 main coverages:


  1. DWELLING provides coverage to rebuild your home. Other Structures coverage consists of structures on your property that are not attached to the main structure (pool, fence, retaining walls, sheds, granny flat, detached garage, etc.)


  1. LIABILITY provides 24 hour coverage for the household’s unintentional actions (including pets). Our home insurance policies cover the actions of ALL DOG BREEDS including Dobermans, Pit Bulls, German Shepherds, Chows, Pressa Canarios, Staffordshire Terriers, Bull Terriers, Akitas, Alaskan Malamutes, Bullmastiffs, Great Danes, Rottweilers, Huskies or a mix of any of these.


  1. PERSONAL PROPERTY provides coverage for your personal belongings. Think of personal property as anything you would pack up and take with you if you moved (clothes, furniture, kitchen items, sporting goods, electronics, rugs, tools, etc.).


Whether you are trying to close escrow or you’ve been dropped by your current insurance carrier, Einhorn Insurance can help you find California Home Insurance for your older home.  Our goal is to make sure your home and family have the proper protection.


For more information or for an estimate, please visit , call 858-336-4644 or email us at


Our policies include coverage for the following Perils (events that can cause damage):


Fire, lightening, hail, windstorm, explosion, falling aircraft, riot, civil commotion, vehicles crashing into your home, smoke, vandalism, malicious mischief, theft (including damage from someone trying to break into your home), falling objects (such as heavy tree branches falling on your home), sudden burst of water from plumbing or appliances and freezing of pipes.

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