Heritage home insurance FAQs

All your questions about heritage home insurance, answered online
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How old does my property have to be to count as a heritage home?

Why can’t I just get standard home insurance for my heritage house?

I have a half-timbered house. Do you cover that?

Does it cost more to insure a heritage home?


How old does my property have to be to count as a heritage home?

All properties built before 1700 count as heritage homes, as do the majority built between 1700 and 1850. Although many insurers won’t cover properties that were built before 1850 because these homes tend to be of non-standard construction, here at HomeProtect we aim to provide cover for all heritage homes, whatever their age.

Why can’t I just get standard home insurance for my heritage house?

Heritage and listed homes are usually categorised because they are of special importance to the UK. If they are architecturally of special interest or are nationally important then you cannot live in the property as you would in a normal home. Your insurance must protect the building and maintain its original features. It is for this reason that it can be difficult to find the correct level of insurance.

I have a half-timbered house. Do you cover that?

HomeProtect aims to provide online quotes for homes built with a wide range of non-standard construction techniques including half-timbering.

Does it cost more to insure a heritage home?

Your home buildings insurance premium is affected by a large number of factors including the rebuild cost of your home. This is generally higher for a heritage home, even if it is constructed from the ‘standard’ building materials of brick or stone and roofed with slates or tiles, because the particular types of these tend to be rarer and more expensive to buy. In addition, rebuilding or even repairing a heritage home usually requires craftsmen with very specialist skills which are more costly than standard trades.



Satisfied customers

We have just moved home to a 17th century cottage - our insurer for the last 5 years would insure anything this old. HomeProtect came up with a competitive quote but I hadn't really heard of them before, but having read lots of reviews my confidence was boosted. The cover was also impressive and really easy to setup. Everything great so far. Review Centre, 7 August 2017
The agent asked the right questions, researched issues when he was not sure, was polite friendly and efficient. I needed insurance to cover a listed home which is empty prior to sale. Cheap but very clear what is and what isn't covered. Made sure I understood. Have recommended! Trustpilot, 27 March 2017
As we live in a 300-year old, Grade II listed home, we have little option in regard to specialist insurers, so were referred to HomeProtect. One may think that this may make the company complacent, but it most certainly does not. This is the only home insurer I would recommend, and we have used a number over the last 40 years of house ownership. Trustpilot, 8 March 2017