Specialist reinstatement
Consider traditional materials and skilled trades when assessing the rebuild value. The market value of the home is a different figure.
Specialist UK insurance broker
Listed Building Insurance
A home worth preserving.
Cover with the same care.
Insurance for listed homes with historic materials and individual character. We help you consider specialist repair costs, contents and the time it could take to put things right.
Personal advice · Mon–Fri, 9am – 5.30pm
UK teamSpeak to a property insurance specialist
Independent reviews
FCA regulatedProperty Expert Ltd · FRN 615253
What is listed building insurance?
Listed building insurance is home insurance arranged with the property’s listed status, construction and specialist reinstatement needs in mind. The Home Insurer compares suitable policies from a limited panel, helping owners consider the cost of traditional materials, skilled labour and accommodation during insured repairs.
A place to stay
Check the alternative accommodation limit and duration. Specialist repairs can take time, particularly where materials or consents affect the programme.
Contents & valuables
Discuss contents and any higher-value possessions alongside the building, including item limits and cover away from home.
Cover is subject to underwriting, policy terms, limits, conditions and exclusions. Your quotation and policy documents confirm what is included.
Before we talkThe details that help
The details that help
us get it right.
- The property’s listing designation, address and age.
- Wall and roof materials, unusual features and any thatch.
- An up-to-date rebuild assessment, surveys and known defects.
- Occupancy, claims history and any proposed repairs or alterations.
The rebuild value needs to reflect the building
A standard rebuild estimate may not capture all the features of a listed property. Specialist materials, access, professional fees and the complexity of the work can all matter. Discuss the valuation basis with us and consider a suitably qualified professional where the rebuild cost is uncertain. Tell us about proposed works before they begin.
Check the cover, not just the price
Insurance responds to insured damage under the policy; it is not a general restoration or maintenance fund. Check the repair basis, limits, excesses and any conditions relating to the property’s condition or works.
Cost & comparisonWhat affects
What affects
your premium?
Listed status is only part of the picture. Insurers also assess the rebuild value, construction, roof, location, occupancy, security and claims history. Compare the scope of specialist repairs and accommodation cover alongside the annual premium.
Send us your renewal terms if you have them. We can compare the cover, excesses and conditions with the options available through our panel and explain our recommendation.
People you can speak to
Kieran Warren
Insurance Broker · The Home Insurer
Our listed-property team will ask about the building’s materials, history and listing. Share any valuation or survey you have, along with details of alterations, to help us discuss the right basis of cover.
Talk to our team on 01832 735388A little clarityYour questions,
Your questions,
answered.
Something specific to your property?
Talk it through with us.
Can you consider different types of listed property?
Yes. Tell us the exact listing designation and where in the UK the property is located, along with its construction and use. We can discuss suitable specialist options; listing systems and underwriting requirements vary.
Should I insure for the purchase price?
Buildings insurance is normally based on the cost of reinstatement rather than the purchase price. A listed home’s specialist repair and rebuilding costs need careful consideration. Ask us what valuation information the insurer requires.
Does listed building insurance cover renovation work?
Do not assume it does. Disclose the planned works, value, duration and whether the property will be occupied. Renovation or works cover may be needed.
Can you cover a listed home with a thatched roof?
We can approach specialist insurers for homes that are both listed and thatched. Provide roof, heating, inspection and construction details so both features are considered.
Let’s talk about
the cover you need.
Tell us about your property and we’ll help you understand the options available.