If you own a listed building, you’ll know they can be expensive to repair. Thatched rooves, wattle and daub walls and other aspects of these historic homes often require specialist skills and materials to fix them. You might even be required by law to repair any damage done to the building.
While you’ll still be able to find home insurance, you might pay more than someone living in a standard home. The good news is we can help you compare quotes to find you the right policy at the right price.
Read on for tips on getting the best deal, as well as more about insuring a listed building.
Or, if you’re ready, compare quotes now to see what your options are in minutes.
A listed building is one that's classed as being of special national, historical, cultural or architectural significance and importance. Generally, the older a building is, the more likely it is to be listed. For example, all buildings built before 1700 are listed. But it’s rare to find a listed property built in the last 30 years.
It's estimated that there are around 370,000 listed buildings on the National Heritage List for England (NHLE) alone.
Historic England and Cadw (Wales) categorise them into 3 types:
Buildings of exceptional national interest
Buildings of particular importance and more than special interest
Buildings of special interest
If you want to make any changes to your property, you’ll likely need planning permission from your local authority. If you own a Grade II or I building, you might not be allowed by law to make any changes at all.
Just like with standard home insurance, there’s no legal obligation to insure a listed building. But it’s recommended that you have a policy to make sure the building is properly protected. Most mortgage lenders will insist on having an insurance policy in place as part of their lending terms.
It works much like a standard buildings insurance policy as it covers the structure of your property against damage from:
It covers the cost of repairing and rebuilding the property. This might include sourcing original materials and expert labourers who specialise in traditional construction methods unique to older buildings. Some policies also offer you alternative accommodation while the building is being restored.
Historic England estimates that there were over 1000 fire-related incidents to listed buildings, World Heritage sites and conservation areas in 2019 alone. According to our data, the average claim for damage caused by fire to a Grade II listed building is £108,2791.
It’s important to note that a buildings insurance policy only covers the physical building and fixtures, not the contents of the property. If you want to protect your possessions from fire, theft and damage, you might also want to consider a contents insurance policy.
1Based on Confused.com data, Q4 2024.
According to our data2, the average combined home insurance policy for a Grade I property is £648 while cover for a Grade II building is £555.
Due to the unique nature of these types of buildings, each one is its own little piece of history and you could see a different figure when comparing your own quotes.
How much you pay for your policy depends on several factors including:
2Based on Confused.com data, Q4 2024.
There are ways you can keep your costs down:
Such as combining your contents and building insurance policies. This could work out cheaper than buying 2 separate policies.
Instead of monthly. This is because when you pay monthly, you'll often be charged additional interest and admin fees on top of your monthly premium.
Work out exactly what you need to be covered for and for how much. You could be paying for more cover than you actually need.
Instead of accepting your renewal price. It doesn't take long to compare with us and you might be surprised with how much you could save.
Building up your NCB over several years without claiming, which could see you get rewarded with a discount on your policy.
Protecting your home from fire and burglary can be a simple way to reduce risk, and in turn, reduce what you pay.
"Restoring your listed property if it's damaged can be expensive. To bring your home back to its former glory, you may be bound by law to use traditional materials and specialist construction methods, which could be a big financial burden.
Getting the correct cover for your historic building from a specialist insurer offers peace of mind that whatever happens, your property is covered."
You can include add-ons to your listed building policy to provide cover for:
This covers you for damage that happens accidentally – for example, if you spill wine on your carpet or soft furnishings.
Emergency cover protects you from emergencies that compromise your home or your health. For example, a burst pipe or a broken-down boiler.
This helps cover your legal costs if someone injures themselves on your property and takes legal action against you.
This can cover the cost of repairs if part of the building starts to slip or crack. This might be important for older buildings that rest on not-so-solid foundations. Learn more about subsidence insurance.
Unoccupied cover could be useful if you're away from your property for more than 30 consecutive days. Most policies only allow you to be away from your property for up to 30 days. The added cover extends this.
Both countries use the same grading system for listed buildings - Grade I, Grade II* and Grade III.
You can apply to have a building added to the register of listed buildings at Historic England or Cadw.
To make any changes to a listed building in England and Wales, you need to apply for consent with your local authority.
Scotland grades buildings of special historical interest into 3 categories:
You can apply for listed building status at Historic Environment Scotland.
In Northern Ireland buildings are graded in 4 categories by the NI Department of Communities:
Grades B1 and B2 allow for some degree of imperfection or alteration.
Each database allows you to check if your property is listed and what grade it is.
Most listed building insurance policies insist that you maintain the property to a good standard. Regular maintenance not only reduces the risk of making an insurance claim, it also preserves the original glory and beauty of your home.
If your home is in need of urgent repair, you might be able to request financial assistance from your local historical building department.
Even small issues can quickly become an expensive bit of work due to these properties needing specialist and traditional construction methods. Keep on top of your maintenance by regularly:
Check your roof for loose tiles and damage throughout the year, and in particularly after bad weather
Look for cracks - a possible sign of subsidence
This could involve checking the roof for cracks and checking the gutters and drains for blockages and leaks
Cut back branches and quickly remove the first signs of invasive plants like Japanese knotweed
This could involve looking for things such as crumbly brickwork, flaky plaster and rotting timber - all possible signs of water damage
It's likely. Conservation areas have additional protections that go beyond the buildings themselves. A conservation area might also include unique and interesting landmarks, roads and boundaries.
If your house is in a conservation area, chances are the property itself is a listed building. If this is the case, it's worth considering a listed building insurance policy.
Having a claim rejected could leave you out of pocket when you need your insurance the most. We take a look at common pitfalls to avoid.
Your home insurance excess is the initial amount you're willing to pay towards a claim, and could help lower your home insurance costs. We explain everything.
If you make a claim on your home insurance, they may send a loss adjuster to your home to establish the facts about the claim. Here's what you need to know.
Unsure whether your home insurance covers roof damage and repairs? Read on to find out more about roof repair from storm damage, leaks and wear and tear.
Living in a high-risk flood area can come with high insurance costs - that's why the Flood Re Scheme was created. Here's how you work out if you're eligible.
If you live within the boundaries of a parish church you could be liable to contribute towards the costs of repairs to it.
cookie usage
We use cookies, some of which are essential to make our website work. For us to use our non-essential cookies, we need your consent. You can consent by accepting all or alternatively, manage your cookies at any time. For more information, read our cookie policy.
