If you own a listed building, you may find it harder to find a cheap home insurance policy.

Most listed buildings are over 100 years old, and need to be restored using traditional materials if damaged, which can be very expensive.

This comparison only shows insurance companies that can insure listed properties so you can use it to find and compare quotes.

What properties can you insure?

There are three grades of listed property you can insure using this comparison:

  • Grade 1: These make up 2.5% of UK listed buildings and are buildings of exceptional interest. Few insurers cover these, but this comparison shows those that do.

  • Grade 2: These are buildings of special interest and make up the majority of listed buildings in the UK.

  • Grade 2*: These are important buildings of more than special interest, and make up around 5.5% of the listed buildings in the UK.

Most buildings built before 1840 close to their original condition will be listed.

You can check the Historic England website to find out if your home is listed, and what grade it is.

What cover can you get?

You can get a policy that gives you:

Most insurers ask for the rebuild value of your listed home to work out your buildings cover. Listed buildings can cost a lot more to rebuild than newer homes, so it is important you get an accurate value.

You can use the Association of British Insurers (ABI) rebuild calculator to get an estimate, or pay a surveyor to give you a more accurate valuation.

Home insurance for listed buildings FAQs

Q

How can I check if my property is listed and what grade it is?

A

Visit the Historic England website, where you can search for your property using your house name or postcode.

Q

Are the grades different in Scotland and Northern Ireland?

A

Yes, find out more about Scottish listed buildings on the Historic Environment Soctland website, and Northern Irish listed buildings on the nidirect website.

Q

Do I need specialist cover if only part of my property is listed?

A

Yes, if you have a listed wall on your property for example, you need a listed home policy to cover it if it is damaged and needs to be repaired.

Q

Why is listed home insurance more expensive?

A

They often need to be restored using original materials, which can be more expensive than modern buildings. Try these eight ways to keep the cost down.

Q

Do I need to get listed building home insurance?

A

No, but it gives you valuable financial protection if something goes wrong. English Heritage advise home owners to insure their property if it is listed.

About our home insurance comparison

Q

Who do we include in this comparison?

A

We include listed building home insurance available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.