Old house insurance by intelligent insurance
Specialist Insurance Cover

Old house insurance

Specialist home insurance for period properties and listed buildings

We’ve got You Covered.

old house insurance | Intelligent insurance

Specialist Old House Insurance

When you have the pleasure of owning an older house, getting the right home insurance cover is essential as the costs of repairs to these special buildings can be more expensive, especially when the construction materials are considered to be non standard.

Intelligent Insurance consider the age and construction of these properties to provide a tailored quote to your home and circumstances*.  If your home is listed, this also needs to be noted.

Insuring your home without taking these factors into account could leave you under insured in the event of a claim, so use a specialist provider to help you get the right cover for your old house.

  • Buildings & contents insurance rated 5 Star by Defaqto
  • Victorian, Stuart, and Georgian houses
  • Specialist knowledge to get the right cover for your home
  • Policies underwritten by a panel of UK insurers
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Frequently Asked Questions

It is possible that insuring an older home will be more expensive than a more modern building.  This is because it is likely the property has been constructed from some non standard materials or materials that are no longer easy to buy or are expensive to replace.  There are several factors that are used to calculate insurance costs and age of property is one, as well as the area you live, your claims history and other personal circumstances.

At Intelligent Insurance, we provide cover for houses built after the year 1700.

Check the title register or title deeds that you obtained when you purchased the house.  Alternatively you can contact HM Land Registry or us a free tool such as Property Checker

A rough estimate of when the house was built is enough information to get an insurance quote.

We offer several additional coverage options to provide comprehensive protection for your period property. These include accidental damage cover, legal expenses, and coverage for valuable personal property, among others. Our team can help you customise a policy that perfectly fits your needs.

Tailored Specialist Older Property Insurance

An Intelligent approach to Old House Insurance

Intelligent Insurance approaches old house cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.

This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.

We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.

What we provide

Buildings cover up to £1,000,000
To repair or rebuild your home, as standard by Defaqto, an independent financial research company
Contents Insurance up to £100,000
New for old cover for belongings kept in your home
Alternative accommodation
Temporary accommodation in the event your home is uninhabitable
Replacement locks and keys
For lost or stolen keys
Trace and access cover up to £5,000
Replacement and repair to any parts of the building that are removed when tracing escape of water
Family Legal Protection up to £25,000
Cover for legal expenses (whether prosecuting or defending). There is a £100 excess.
Home Emergency Cover up to £250 per call-out
24 hour immediate assistance from a professional electrician, plumber or other specialist following certain emergencies in the home included as standard.

What isn't included?

We don’t cover loss or damage
  • Caused by wear, tear or gradual deterioration
  • That occurred before the policy started
  • Caused by vermin, insects, pets
  • Caused by dishonest, wilful or deliberate acts
  • Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
Cover restrictions
  • you are only covered up to the maximum claims limits shown on your schedule
  • you are responsible for any excesses stated in your policy
  • any exclusions or restrictions shown by endorsement in your schedule

Looking for extra protection? Upgrade your cover

  • Family Legal Protection Plus

    Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.

    Optional
  • Home Emergency Plus

    Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation

    Optional
  • Accidental Damage

    Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass

    Optional

Still have questions? Visit our help centre

Intelligently insured

Intelligent Insurance have been providing specialist 5 Star Defaqto Rated buildings and contents home insurance cover for over 10 years.  Get an easy online quote in minutes.

  • Tailored home insurance for your property
  • Buildings & contents insurance rated 5 Star by Defaqto
  • Basic home emergency and legal cover included
Old house insurance

Get an online quote for your old house or period property. Home insurance, tailored to your home and your needs

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Speak to a member of our team

For help with your quote, use our online chat to speak with a member of our team

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*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.

Home Insurance Specialists names you can trust

Allianz Insurer
Intelligent Insurance | Pen Underwriting Panel Member
Intelligent Insurance | Arkel Panel Member
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | AXA Panel Member
Intelligent Insurance | Prestige Underwriting Services Panel Member

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