Heritage home insurance

Heritage homes such as those built in the Georgian, Regency, Victorian and Edwardian eras typically require more expensive repair work in the case of a claim resulting from damage. This is why it’s important to insure your special home with a provider who understands historic buildings. This includes the traditional construction methods and materials, and the restrictions that older building regulations can have on security measures you can use to protect your home.

Heritage home insurance policies take into account the age and construction of the property, as well as the antiques and other valuables that you may keep in the home.

Beware that if you insure under a standard buildings insurance policy without specifying the materials from which your home is built and later need to make a claim, you could find you are not adequately covered and might have to pay the bill yourself for any damage to your property.

Buying a Victorian terraced house

Victorian terraces are numerous and popular but they have two major disadvantages that are worth considering carefully before you buy one.

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Property maintenance

It's very important to maintain the structure of the building, using appropriate methods and materials in keeping with the fabric of the original building.

Buildings rebuild cost

You need to know the accurate buildings rebuild cost for your heritage home to be accurately covered. If you don’t have an up to date valuation, you need to engage a property surveyor who specialises in older properties to provide a fresh estimate.

Structural movement in old buildings

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Your questions answered

Heritage home insurance FAQs

We’ve prepared some helpful answers to your questions about heritage property insurance, and about how our policy works.

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We live in a 300 year old grade II listed home. This is the only home insurer I would recommend, and we have used a number over the last 40 years of house ownership. Mrs Green, Stevenage