Why do heritage homes need specialist insurance?

Standard home insurance policies are often unsuitable, as repairs to listed and heritage buildings often involve traditional materials or specialist contractors. This can increase the cost and the time required to carry out repairs, which a standard policy won't account for. Heritage home insurance is tailored to protect historic features and ensure repairs meet conservation requirements.

What types of properties are considered heritage homes?

The definition of a 'heritage home' typically includes: Listed buildings Period properties Thatched cottages Architecturally significant homes Homes located within conservation areas

How is the rebuild cost of a heritage home calculated?

It is the policyholder's responsibility to provide an accurate rebuild cost for their property. If required, we can provide recommendations for specialist surveyors who can assist with providing a rebuild cost that accounts for traditional materials, heritage craftsmanship, and the professional fees required for restoration.

Does heritage home insurance cover outbuildings and estate features?

Policies can be tailored to include cover for garages, stables, swimming pools, tennis courts, garden walls, gates, statues, landscaping, mature trees, and other estate features.

Do policies cover domestic staff and volunteers?

Policies can be tailored to include employers' and public liability cover for housekeeps, cleaners, gardeners and anyone else employed in the running of your property. Policies can also cover volunteers if you offer tours or events.

Can I insure the property if it isn't my primary residence?

Yes, we can insure properties used as second homes or holiday homes.

Can policies cover thatched or timber-framed properties?

Yes, subject to a survey, we can arrange cover for thatched or timber-framed properties.

Heritage Home Insurance | Alan Boswell Group

Name: Heritage Home Insurance
Brand: Alan Boswell Group
Rating: 4.8 (12647 reviews)

Heritage home insurance protects you from the costs of repairing or rebuilding your period property if it is damaged or destroyed, as well as replacing its contents. Homes of historical or architectural significance are valuable assets and an important part of our heritage, requiring specialist care and consideration when it comes to insurance.

At Alan Boswell Group, we have access to a wide range of insurance products, allowing us to tailor cover to suit the individual needs of your heritage home, ensuring you receive protection that reflects its character, construction, and unique requirements.

The Alan Boswell Group Difference

With extensive experience in arranging insurance for heritage and listed homes, we understand the unique challenges that come with protecting properties of historical and architectural significance. From period features and non-standard construction materials to conservation requirements and specialist repair methods, our team work closely with trusted insurers to arrange a policy that reflects the true value of your property.

As an independent broker, we’re not tied to one insurer, so we can search the market to find the most appropriate cover for your heritage home. Our dedicated private client team take the time to understand your property and priorities, providing clear advice and ongoing support.

Carla Howell - Private Client Insurance Adviser

How our customers rate us

Phone answered promptly by a real person, who went through the required Q&A for a slightly complicated house insurance quote (listed building) efficiently and quickly. Having taken a short while to research quotes, she came back with an annual payment which was half that provided by another broker.

Mr Talbot - Household Insurance

4.8/5 12647 reviews

Heritage home insurance in detail

As the owner of a heritage home, you will want to know your property will get the time and attention it deserves should the worst happen. Our cover can include:

Building cover

Repairs to heritage homes require specialist materials and contractors; building insurance is based on the rebuild cost of your property, taking into account the additional time and specialist resources required to repair older properties.

Specialist fine art, collections, and antiques cover

Cover specifically for your fine art and collections, including antique furniture, books, clocks, gold and silver watches, paintings, rugs and tapestries, sculptures, stamps, wine, and memorabilia.

Contents insurance

Cover for the contents of the property, including art, antiques, collections, and jewellery.

Worldwide personal possessions cover

Comprehensive protection for your possessions when away from the property.

Alternative accommodation

If your property becomes uninhabitable due to an insured event and extensive restoration work is required, our policies offer alternative accommodation.