A listed home can be difficult to place on a standard home insurance policy. Repairs may involve specialist trades, traditional materials and consent requirements, while the rebuild value can be much higher than the property’s market value.
As a broker, Intelligent Insurance works with a panel of UK insurers. We ask about the property’s listing, construction, condition, use and rebuild value so we can look for cover suited to the home and its risks.
The UK’s listing systems use different terminology. We can consider listed homes in England, Wales and Scotland, subject to the insurer’s underwriting criteria.
Scottish categories are not direct equivalents of the grades used in England and Wales. Eligibility, cover and terms depend on the individual property and insurer.
Your cover will depend on the insurer, policy wording and schedule. Subject to the policy terms, buildings insurance may cover loss or damage caused by insured events such as:
The cover available will depend on your insurer and the details shown in your policy schedule. The following limits and benefits may be available through our listed building home insurance.
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Increase emergency call-out cover to up to £1,000 per call-out and £1,000 in total claims per policy year. Additional boiler and heating system cover and alternative accommodation are included, subject to the policy terms.
Optional cover for sudden, unintentional damage to the buildings or contents, such as accidentally breaking fixed glass or putting a foot through a ceiling. The cover available depends on the option selected and the policy terms.
We are a specialist home insurance broker. We work with a panel of trusted insurers and can consider properties that do not always fit a standard home insurance quote journey.
Our UK-based team is here if you have a question about the property or quote journey.
Yes. We can consider Grade II listed homes, subject to the insurer’s underwriting criteria. We will ask about the property’s construction, condition, occupancy, previous claims and rebuild value before cover can be confirmed.
We can consider Grade I, Grade II* and Grade II listed homes in England and Wales, as well as Category A, B and C listed homes in Scotland. The insurer will assess the individual property before deciding whether cover can be offered.
Buildings and contents cover may be available together. Buildings cover is available up to £1.5 million, with higher values considered in specific cases, and contents cover is available up to £125,000. The limits and terms offered will depend on the insurer and property.
A listed home may have a higher or more complex rebuild cost because repairs can involve specialist trades, traditional materials and consent requirements. A suitable policy needs to reflect the property’s construction, features and rebuild value, rather than relying only on its market price.
The repair method will depend on the insured damage, the policy wording, the insurer and any requirements set by the relevant planning authority. Work that affects the building’s special architectural or historic interest may need listed building consent. Speak to the insurer before authorising permanent repairs.
The rebuild value is not the property’s market price. It should allow for demolition and debris removal, professional fees, specialist labour, appropriate materials and the cost of rebuilding after a major insured loss. A professional rebuild cost assessment can be particularly useful for a listed home.
See our rebuild cost guide
Tell the insurer before work begins. Alterations may change the risk and may need listed building consent or planning permission. Major works, structural alterations or periods when the home is unoccupied may require renovation insurance rather than standard home insurance.
Not always. The premium can be affected by the rebuild value, construction, condition, location, security, occupancy and previous claims. Listed homes can cost more to repair when specialist labour or materials are needed, but the price will depend on the individual property and cover selected.
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
“…Intelligent Insurance has a really good website and it all made sense to me, so that I could sign up and purchase my home insurance effectively, even though I live in an unusual Listed property….”
See the factors that can affect premiums and why an accurate rebuild value matters for a heritage home.
Understand consent, maintenance, renovation and insurance considerations before buying or changing a listed home.
Learn what Category A, B and C mean and why the Scottish system is not directly equivalent to the grades used elsewhere.
If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Claims are handled by the insurer named in your policy schedule. Contact its claims team as soon as possible and follow the instructions in your policy documents.
Find the insurer’s claims contact details in your policy schedule or MyAccount. Have your policy number available so the claims team can identify your cover.
Tell the insurer what happened as soon as possible. If it is safe to do so, take reasonable steps to prevent further damage and keep a record of any emergency action. Do not authorise permanent repairs until the insurer has advised you.
The insurer may ask for photographs, receipts, estimates or other supporting information. Follow the policy’s reporting requirements and any time limits explained by the claims team.
