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What is Listed Buildings 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 Listed Buildings Insurance?

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 Listed Buildings Insurance 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.

What’s Typically Covered?

Listed Buildings Insurance policies generally include:

  • Buildings Insurance – Covers specialist materials and methods required for listed home repairs.
  • Contents Insurance – Protects the valuable belongings inside your historic home.
  • Heritage Restoration Costs – Cover for work carried out under conservation authority supervision.
  • Personal Liability – Cover for injury or damage linked to your property.

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.

Optional Add-Ons Worth Considering

Given the nature of listed properties, additional cover can be crucial:

Get the right cover for your listed home

At Insurably, we specialise in sourcing policies for heritage and listed buildings—ensuring compliance, protection, and peace of mind.

Start your quote today and protect your home’s history with cover designed for the future.

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  • Trusted expertise in listed and period properties.
  • Friendly, local advice—no call centres.
  • Clear guidance on complex heritage requirements.

What does Listed Buildings Insurance cover?

  • Personal Liability Cover
  • Property Damage
  • Alternative Accommodation

What's Covered?

What's Not Covered?

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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.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in home insurance

100+

insurer markets accessed

100%

confidence in property protection

Frequently Asked Questions

Listed Buildings Insurance is designed for properties officially recognised for their historic or architectural importance. It offers specialist cover for restoration using traditional materials and methods, often required by law, following damage from events like fire or storms.
Typical cover includes:
  • Buildings Insurance – Covers the rebuild of your listed home using appropriate heritage methods and materials.
  • Contents Insurance – Protection for valuable and period-appropriate furnishings or antiques.
  • Liability Cover – If damage caused by your property affects others or someone is injured.
  • Alternative Accommodation – Covers the cost of temporary housing during restoration.
  • Legal Expenses – Assistance with disputes related to planning, restoration, or neighbouring properties.
Yes. While it's not a legal requirement, listed homes come with strict obligations. If damage occurs, you're often legally required to restore the property in line with conservation standards—insurance helps cover these costly works.
Yes, most mortgage providers will require adequate buildings insurance, and for listed homes, this usually means a policy tailored to meet the legal and structural responsibilities tied to heritage properties.
Premiums depend on:
  • The grade of the listed building (I, II*, or II).
  • Construction type and age of the property.
  • Specialist materials or features (e.g. thatch, stonework, sash windows).
  • Level of contents and optional covers added.
  • Past claims or alterations to the property.
You can get started online with Insurably, or speak to our friendly, knowledgeable team. We understand the needs of listed homeowners and will match you with insurers who specialise in heritage properties.