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28-32 Macdonell St, Guelph

Letter for your insurer or broker

Print this page or save it as a PDF and give it to your insurer or broker. It shows the property's heritage status with its source, and what that status does and doesn't require after a loss. Fill in the building details by hand.

Read the insurance guide

October 13, 2026

To my insurer or broker,

Re: heritage status of 28-32 Macdonell St, Guelph, Ontario

Status

According to the City of Guelph — Municipal Register of Cultural Heritage Properties (as of August 24, 2026), this property is designated under Part V (heritage conservation district) of the Ontario Heritage Act, by-law (2026)-21187. Source: https://guelph.ca/wp-content/uploads/2026-Municipal-Register-of-Cultural-Heritage-Properties-Final.pdf#page=44

What this status requires

The property is in a heritage conservation district. Alterations, demolition and new construction there need a heritage permit and are guided by the district plan. The Province states that “Insurance premiums should not go up because of a heritage designation.” For how the district plan treats rebuilding after a loss, please ask the municipality (contact below).

The building

Details insurers ask about for older buildings (filled in by the owner):

  • Electrical service (60-amp or 100-amp and up) and wiring type: knob-and-tube or aluminum wiring is a common reason for refusal:
  • Plumbing: galvanized steel pipes corrode from the inside:
  • Heating: oil tank age (over 25 years is a concern) and any wood stove (WETT inspection):
  • Roof age and condition (over 20 years raises the risk of leaks):
  • Recent upgrades, with dates, receipts and photos:

Heritage contact at the municipality

Heritage Planning, City of Guelph, heritageplanning@guelph.ca. https://guelph.ca/city-hall/planning-and-development/community-plans-studies/heritage-conservation/designating-heritage-property/

Owner:

Sources: Government of Ontario, Heritage properties and insurance (updated April 10, 2026), https://www.ontario.ca/page/heritage-properties-and-insurance. Community Heritage Ontario, ARA and University of Waterloo, Residential Property Insurance and Heritage Designation Study (June 2026). Status from The Patina Record (https://thepatinarecord.ca/property/7f5b56d3-8cd2-409f-aa58-bc1fa5fc5393/28-32-macdonell-st-guelph), which shows each municipal register with its source and date. Not legal advice; the municipality's register is the official record.