Compare home cover and listed building insurance

What properties can listed building insurance cover?

Listed building insurance covers three grades of property:

Most buildings built before 1840 that are close to their original condition are listed.

In England, check the Historic England website to find out if your home is listed, and what grade it is. Welsh listed buildings can be found on the Cadw website. In Scotland check the Historic Environment Scotland website, or if you’re in Northern Ireland consult the nidirect website.

What types of listed building insurance can I get?

Listed building insurance can give you:

Most listed building insurance providers base your home insurance on the rebuild value of your home. Rebuilding costs for listed buildings are likely to be a lot higher than for newer homes, so it’s important you provide an accurate figure.

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

Why is listed building insurance more expensive?

Most listed buildings are over 100 years old and must be restored using traditional materials if damaged. Sourcing these materials – and suitably qualified labour – can make repairs very expensive. 

Therefore, if your property is Grade 2 listed, insurance providers need to cover themselves against what could be a large payout.  

Get more information on listed buildings insurance

How to find the best listed building insurance

The best home insurance policy is the one that offers you the cover you need at the lowest possible price. Compare as many potential policies as possible to find the most favourable deal.