Listed Buildings Home
Insurance
What is Listed Buildings Home Insurance?
Listed Buildings Insurance provides specialist protection for homes officially recognised for their historic or architectural importance. From Grade I to Grade II* and Grade II properties, this type of cover ensures your heritage home is protected against damage, with respect for period features and restoration requirements.
Whether you live in a Georgian townhouse, a country cottage, or a converted chapel, Listed Buildings Insurance helps cover the unique risks that standard home insurance may not.
Who Needs This?
If your property is protected under the National Heritage List for England (or its devolved counterparts), specialist cover is essential. This includes:
- Grade I and II* Homeowners – Homes of exceptional or more than special interest.
- Grade II Homeowners – The most common type of listed property in the UK.
- Buyers of Period Homes – Insurance is often a legal or mortgage requirement.
- Owners in Conservation Areas – Even if not listed, your home may have restrictions.
- Second Homes and Holiday Cottages – Especially where character features are present.
Why is it Important?
Listed homes require specific restoration methods and materials in the event of damage, often under local authority supervision. Without appropriate cover, repairs can be costly and complex. Listed Buildings Insurance ensures these risks are accounted for.
Common risks covered by specialist listed building insurance include:
- Fire and Storm Damage – Including repairs that meet heritage standards.
- Theft or Vandalism – Protection for period features and original fittings.
- Legal Liability – Cover if work on your home causes harm or damage to others.
- Alternative Accommodation – Help with living costs if the property becomes uninhabitable.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Listed Buildings Insurance typically includes:
- Specialist Rebuild Cover – Uses traditional materials and methods to restore your home.
- Period Features Protection – Cover for original features like sash windows, fireplaces, and cornicing.
- Planning & Consent Support – Assistance with navigating listed building regulations.
- Alternative Accommodation – Extended cover for longer restoration periods.
- Trace and Access – Covers the cost of finding the source of a leak.
What's Not Covered
- Unauthorised alterations or breaches of listing regulations.
- Wear and tear, rot, or pest damage.
- Claims where required planning or listed building consent wasn’t obtained.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Listed Buildings Home cover you for?
Listed and period properties often come with unique construction features and heritage restrictions that standard home insurance doesn't account for. Insurably specialises in cover for listed buildings, offering expert guidance and tailored policies that protect the character and value of historic homes.
2,905
business types covered
100+
insurer markets accessed
100%
confidence in business protection
Was this article helpful?
Thanks for your feedback!
Something went wrong. Please try again.