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 500,000 listed buildings on the National Heritage List for England (NHLE) alone.
Historic England and Cadw (Wales) categorise them into 3 types:
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 £120,0001.
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.
1Confused.com data - June 2023
According to our data, the average building insurance policy for a Grade I property is £2482 while cover for a Grade II building is £2982.
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:
There are ways you can keep your costs down:
2Confused.com data - June 2023
You can include add-ons to your listed building policy to provide cover for:
Accidental damage covers you for damage that happens accidentally – for example, if you spill wine on your carpet or soft furnishings.
Home emergency protects you from emergencies that compromise your home or your health. For example, a burst pipe or a broken-down boiler.
Legal expenses help cover your legal costs if someone injures themselves on your property and takes legal action against you.
Subsidence cover 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 property 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. Learn more about unoccupied home insurance.
England and Wales 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.
"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."
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.
Our collection of UK home insurance statistics for 2023, such as average UK home insurance costs, UK home insurance market share and property insurance claim statistics.
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