Is listed building insurance more expensive than standard property insurance?

Yes — listed building insurance is typically more expensive than standard property insurance, reflecting the higher cost of reinstatement using traditional materials and specialist labour. The premium will depend on the grade of listing, the age and construction of the building, and the reinstatement value.

Do I need listed building consent before making a claim?

You do not need listed building consent to make an insurance claim, but you will need consent before carrying out any repair or alteration work that affects the character of the building. Your insurer will work with you to ensure that repairs are carried out in accordance with the listing requirements.

What happens if I cannot find a specialist insurer for my listed building?

A specialist broker with access to a panel of historic property insurers can usually find cover for listed buildings that standard insurers will not accept. If you are struggling to find cover, contact a specialist broker who has experience in this area.

How do I establish the correct reinstatement value for a listed building?

The reinstatement value should be established by a specialist surveyor with experience of historic buildings. The surveyor will assess the cost of rebuilding the property using appropriate traditional materials and techniques, including professional fees and the cost of obtaining listed building consent. This figure should be reviewed regularly.

Does listed building insurance cover damage caused by neglect?

No — insurance policies do not cover damage caused by gradual deterioration or neglect. You have a duty to maintain your listed building in good repair, and failure to do so can result in enforcement action by the local planning authority as well as the refusal of insurance claims. Regular maintenance is essential.

Listed Building Insurance: A Complete UK Guide

Listed building insurance provides specialist cover for Grade I and Grade II listed properties, which require specialist materials and craftspeople for repairs. This guide explains what is covered and how to arrange a suitable policy.