Heritage home insurance

Heritage homes 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 home insurance policy and need to make a claim, you could find you are not suitably covered and might have to pay the bill yourself for any damage caused to your property, or theft of possessions.

Caring for Tudor and Elizabethan architecture

The most important issue to consider before making any changes to medieval timber is whether they are structurally sound. 

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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 will 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 will need to engage a specialist property surveyor to provide a fresh estimation.

Insure your special possessions

List your valuable items individually up to £1,500 per item to make sure they are fully covered. You can also add Away From Home insurance.

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