Listed Building Insurance
- We cover all listing grades and categories and any age of property.
- Cover for art, jewellery and antiques.
- Underwritten by AXA Insurance.
- Average quote time is only 10 minutes.
More information
Listed Building Home Insurance
Protecting homes with architectural or historical significance
“Listed” buildings are properties which have been identified as having historical, architectural, or cultural significance that is legally protected and regulated. The listing identification stage is held through a survey of an area, or a building preservation notice, by a local planning authority.
Listed Building Grades
Listed buildings are graded from I to III in England and Wales, or from A to C in Scotland, based on their level of historic and architectural importance. 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. However, it is estimated to be around 500,000.
Listed Building Home Insurance
Listed properties typically have more significant rebuild costs than standard homes, posing a greater risk to homeowners in the instance of damage or theft. Although the cost of insurance varies for every property, listed building insurance generally has a higher premium. This is because rebuilding an older property often requires specialist tradespeople and materials which are not readily available. Specialist work tends to be more expensive, which is a primary reason for seeking to insure a listed property.
Homeprotect recognises the importance of protecting your listed home and the unique challenges that can come with it, which is why our team of experts is here to help tailor your home insurance policy to suit your situation and needs when it comes to your listed property.
Maintaining a listed building
If you own a listed property, you are responsible for its maintenance. Common listed building renovation difficulties include changing doors, window glazing, outbuildings and fitting burglar alarms. Before you undertake any work, you must seek permission from your local authority, such as your local council or in some cases, a body like Historic England, for them to decide whether you can go ahead with renovations or repairs to the listed building. This applies to both internal and external changes to the property. The reason for this is to ensure the aspects of the listed property which are of special interest are not lost.
You can 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.
Listed Home Insurance Reviews
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What’s covered by BUILDINGS & contents insurance?
Our home insurance covers insured events like:
- Fire and smoke
- Flood and storm
- Theft and attempted theft
- Escape of water or oil
- Malicious damage
- Subsidence, landslip, and heave
- Falling trees or branches
- Vehicle collisions or damage caused by emergency services
This includes the structure of your main home, outbuildings (such as summer houses and sheds), and permanent outdoor features like patios, driveways, paths and boundary walls. Your contents are also protected, including furniture, electronics, clothing and kitchenware — even those stored in garages, sheds or other outbuildings.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
5 star rated cover
Our insurance has received the highest rating from independent financial researchers, Moneyfacts.
Repair guarantee
We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Gradual damage, wear and tear, or issues you knew about but didn’t fix
Faulty design, construction, or workmanship.
Damage caused by poor maintenance or neglect
Items you don’t own or aren’t legally responsible for
Items stolen from unoccupied vehicles
Damage caused by pets.
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
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buildings & Contents Insurance Cover Levels
Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Buildings cover
Protects the main structure of your home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
up to £1 million
(more cover available if you need it)
Contents cover
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £75,000 (Buildings)
up to £10,000 (Contents)
Home emergency
Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.
up to £10,000
Outbuildings cover
Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.
from £20,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals. Two levels of cover are available.
Optional
New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
Your Questions Answered
Application Forms are available from the Civic Offices. In addition to the completed form you must also submit various additional documents. Please contact the Planning Services Department for advice. There is no fee for applications.
The majority of listed buildings in the UK are grade 2 buildings, and although the cost of insurance varies for every property, listed buildings insurance generally has a high premium. This is because rebuilding an older property often requires specialist tradespeople and materials which are not readily available.
You will need to apply for Listed Building Consent prior to any of the following works being undertaken:
- Alterations, both internally and externally, which affect the character of a listed building.
- Extensions.
- Demolitions.
- Partial demolitions.
To summarise, all works other than minor ‘like for like’ repairs would require Listed Building Consent.
In all cases you should seek advice from the Planning Services Section.
If your home is a Listed Building or it was built before 1720, you will need to consult a Chartered surveyor or a specialist property valuer to provide you with an accurate rebuild cost.
If you purchased the property in the last 5 years your homebuyers survey may include the rebuild cost. However if you purchased the property more than 5 years ago you will need to get an up to date assessment.
If your home is of standard construction (normally brick walls and tile roof), not a listed building and not built before 1720 you can use the free online BCIS Rebuild calculator.
If your home is built with non-standard construction materials, or it’s a Listed Building or it was built before 1720, you will need to consult a Chartered surveyor to provide you with an accurate rebuild cost.
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