Listed building home insurance

tailored to your needs

  • We cover all listing grades and categories and any age of property.
  • Our specialist underwriters understand your property as much as you do.
  • We cover valuables, antiques and art.
  • Up to £5m public liability cover for domestic staff.
  • Reinstatement in same materials, to original design.
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Listed building insurance

Protecting homes with architectural or historical significance

Listed properties tend to have a greater rebuild cost than standard homes, meaning that insuring your listed building can involve larger premiums. This is why it's important to work with a specialist insurance provider such as HomeProtect, as we understand listed building construction and so we can help you achieve the best possible quote for your circumstances. If in doubt, contact a Quantity Surveyor to arrange a Professional Rebuilding Cost Assessment.

To reduce the risk of claiming on your property, you should carry out a regular inspection of your listed property, keeping your eyes peeled for damage to the roof, drainage issues and damp patches.

What is a listed building?

What is a listed building?

A listed building is one of architectural or historical significance that is protected by listing marks.

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Grades of listed buildings explained

Because a number of buildings will sometimes be recorded in a single listing, the exact number of listed properties in the UK is not known. It is estimated to be around 500,000. There are varying categories for England and Wales, Northern Ireland and Scotland.

Maintaining a listed property

If you own a listed property, you are responsible for its maintenance. This can be a difficult task, considering that many of the techniques used to build the house may have fallen out of use. For this, you will need a specialist contractor. Traditionally, specialist works are more expensive, which is a primary reason for seeking specialist house insurance for a listed property.

Before you undertake any work on your listed house you must seek permission from your local authority. This applies to both internal and external changes to the property. Your local council, and in some cases a body like Historic England, will ultimately decide whether you can go ahead with renovations or repair work. This is to ensure that the aspects of the listed property which are of special interest are not lost.

Listing covers the complete interior and exterior of the listed building and can also extend to fixtures. Common difficulties for listed home owners include changing doors, window glazing, outbuildings and even fitting burglar alarms.

Insurance for listed buildings

  • HomeProtect can insure all listed grades and categories in the UK.
  • £500K rebuild cost, taking the use of original building materials and methods into account (more available if your property needs it).
  • Discount available for combined Buildings and Contents.
  • Public liability up to £5 million available.
  • Access to a 24/7 claims helpline.
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Man calculating rebuild cost

Calculating the rebuild cost of a listed building

Read more for tax relief

Classification of listed buildings

Read more for tax relief

Tax relief for listed buildings

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Listed house

Buying a listed building

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maintaining a listed building

Maintaining a listed building

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Listed properties

Listed buildings across the UK

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Listing FAQs

Listing FAQs

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Society for the Protection of Ancient Buildings logo

HomeProtect meets ancient buildings protection society

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What our customers say

Your questions answered

Home insurance for listed buildings

Listed building insurance FAQs

Got more questions about listed buildings? Visit our listed building FAQs section and get the answers that you need. 

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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!
27 March 2017

Mrs Burleigh, Dorset

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