Heritage Home Insurance FAQs

All your questions about heritage home insurance, answered online
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Heritage Home Insurance FAQs

What materials are considered non-standard?

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

How can I reduce my premium?

 

What materials are considered non-standard?

Nowadays more and more homes are being built with non-standard materials so it’s best to check with your builder or home insurance provider before the time of renewal. Here is a quick overview of some traditionally non-standard items: asbestos, asphalt, concrete, timber, glass, shingle, thatch, flint.


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.


How can I reduce my premium?

Homeowners can take some steps to reduce the cost of their insurance premium. For example, you can install security alarms, invest in specialist paints like flame retardant coatings. Regularly clearing gutters of debris and checking for damp or cracks in the structure can also keep you aware of issues before they escalate. Inform your insurer of these safety measures at the time of comparing quotes or taking out a policy.