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195 Forth St, Cobourg

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 195 Forth St, Cobourg, Ontario

Status

According to the Town of Cobourg — Heritage Register (as of October 12, 2016), this property is designated under Part IV (individual property) of the Ontario Heritage Act. Source: https://www.cobourg.ca/media/beah4cs4/section-a-register-of-designated-properties-under-part-iv-of-the-ontario-heritage-act.pdf

What this status requires

Designation protects the heritage attributes described in the designating by-law. Alterations that affect those attributes need a heritage permit from the municipality, and demolition needs council's consent.

It does not require the owner to rebuild a replica after a loss. In the Province's words: “The designation by-law does not require the owner to replicate any lost heritage attributes. A replacement building can be of a different design.” and “Insurance premiums should not go up because of a heritage designation.”

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

the Clerk, Cobourg.

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/cdfe3d73-ee03-4520-8f24-2e8df69810b6/195-forth-st-cobourg), which shows each municipal register with its source and date. Not legal advice; the municipality's register is the official record.