We use cookies to give you the best experience and help us improve our website.

Find out more about how we use cookies.

Listed Building Insurance

Specialised and tailored support to ensure you obtain the most suitable insurance policy for your beloved property.

Get a quote
  • Cover for all grades of property
  • Valuations from certified BCH surveyors
  • Cover for all grades of property
  • Valuations from certified BCH surveyors
Platinum Trusted Service Award - Rectangle

Listed building insurance safeguards you against the expenses of repairing or reconstructing your cherished historic property if it sustains damage or is destroyed and/or replacing its contents. Listed buildings are an important asset and are a piece of heritage that requires special attention and care.

At Alan Boswell Group, we have access to a wide range of insurance products, enabling us to compare and tailor cover to ensure you receive the most suitable home insurance for your unique listed building’s requirements.

  • Knowledgeable professionals with a deep understanding of listed properties.
  • Support in acquiring accurate reconstruction valuations from certified BCH surveyors.
  • Cover for Grade I, Grade II* and Grade II listed buildings across the UK and Grade A, B and C listed properties in Scotland.
  • Protection for listed properties serving as holiday homes, rentals, and commercial use.

The Alan Boswell Group Difference

personal insurance

Alan Boswell Group recognises that no two homes are the same. With friendly and truly independent professional advice we will guide you through the home insurance process. We can provide expert guidance on buildings and contents valuations, and with access to a wide panel of insurance partners we can ensure you have the right policy tailored to your individual requirements often with delegated authority for claims, meaning we can ensure a smooth and quick claims process.

How our customer rate us

Mark regularly searches the market for a better deal. It’s great working with him. I enjoy the personal service and being able to pick up the phone and speak to him. He is very reliable and gets straight back to me

Priscilla Bradley-Watson
Speak directly to our team
01603 218007
Send an enquiry Send an enquiry
Send an enquiry

Listed Building Insurance in detail

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

  • Buildings cover Listed buildings tend to be unique and can be constructed using various materials, such as stone, handmade bricks, ornate carpentry and one-offs, such as bespoke staircases.
  • Specialist fine art, collections, and antiques cover Cover specifically for your fine art and collections, such as antique furniture, books, clocks, gold and silver watches, paintings, rugs and tapestries, sculptures, stamps, wine and other memorabilia.
  • Alternative accommodation If your property becomes uninhabitable due to a large claim and extensive restoration work is required, our policy offers alternative accommodation. You will find that listed buildings require a longer period for restoration when compared to a modern house. Therefore we tailor your insurance cover to take this into consideration.
  • Specialist tradesmen Your listed property may have unique features or bespoke detailing. Our policy allows the use of skilled tradespeople to undertake repair works, helping you to maintain your property's unique character and features.
  • Worldwide all risks Offering worldwide all risks cover, extending comprehensive protection and its irreplaceable contents when away from the property.
  • Certified BCH surveyors for valuations We utilise BCH surveyors to conduct thorough evaluations, ensuring an accurate assessment of any outbuildings and permanent structures. Depending on the building's age, architectural style, and historical significance, this may include various features such as boundary walls, fences, garden ornaments, bridges, barns, stables, greenhouses, and summer houses. Our services also cater to non-traditional structures like timber frames, wattle and daub, stone, cob, lead roofs, thatched roofs, crenellations, cupolas, and more.

In our case study, we talked to Priscilla Bradley-Watson, the owner of a Grade II listed property in the Norfolk countryside. We discuss her beautiful property, maintaining the grounds and insurance for such a unique building.

Read more in our case study

Get in touch

Speak directly to our team
01603 218007
Send an enquiry Send an enquiry
Send an enquiry
Mark Linehan
Mark Linehan

Head of Private Clients

Mark has been working in the insurance industry since leaving school. He joined, Norwich based, Eagle Star, before moving to Alan Boswell Group in 1997…

Matthew Gill
Matthew Gill

Private Client Account Executive

Matt has worked in the insurance industry since 2004 and in the broker network since 2011. Matt joined Aviva after leaving sixth form and worked in…

Listed building insurance FAQs

  • It’s difficult to provide a general cost estimate for listed building insurance without having specific information about the building and the cover needed. However, the cost can be higher than standard home insurance due to the specialist work often required to repair or restore listed buildings in line with Historic England and Historic Environment Scotland.

  • Yes, future works on a listed building can affect your insurance. It’s important to inform your insurer about any planned works before they commence. This helps ensure that you comply with the terms of your policy and maintain correct cover. If you’re unsure how the works will affect your insurance, consulting with your insurer or insurance broker is a good idea.

  • Yes, we can arrange insurance for listed buildings in Scotland. We offer cover for Grade A, B and C listed buildings across Scotland.

  • In short, yes. It’s essential to determine who the freeholder and leaseholder are and we will discuss your property in detail before arranging cover. By doing so, we can explore crucial aspects of your property, such as its registered status and the commercial use on the ground floor. These discussions give us the necessary level of detail to identify an appropriate policy.

  • Insurance policies, including those for listed buildings, can’t be backdated. They cover future risks from the policy start date onwards, not past events. Any damage occurring before the policy start date won’t be covered. Always consult with an insurance professional for specifics.

  • Renovation work on a listed property can affect your insurance cover. Standard policies may not cover damages that occur during renovation, so you might need additional renovation insurance. It’s crucial to inform your insurer or broker about any planned works beforehand to ensure adequate cover and policy compliance. Some insurers allow up to £100k of works to be carried out on your listed property without the need to be informed.

  • Listed buildings may have certain restrictions on their use, particularly if they have significant historical or architectural features. It’s important to be aware of any specific uses of your property if it’s residential and/or has a commercial use element. This understanding will help us determine if any restrictions or limitations are relevant.

  • Listed buildings are invaluable assets in the UK, serving as historical touchstones that enrich our cultural heritage; thus, they must be well-maintained to preserve their architectural uniqueness and historical significance for future generations. However, you are not legally required to have insurance for a listed building, although mortgage lenders usually require buildings insurance to be in place for the property. Regardless, it’s highly recommended to insure any property, especially listed buildings, due to potential high repair and restoration costs and to maintain the property’s cultural heritage.

  • When working on a listed building, it is important to consider:

    • how long you will need alternative accommodation for (the works may take longer than for a standard construction property)
    • conservation officers must approve materials to match the original ones
    • quality restoration with higher-quality materials is crucial
    • hiring specialist builders may result in additional costs
    • obtaining a surveyor’s report is highly recommended for accurate insurance cover
  • Across England, Wales, and Scotland, there are over 577,000 listed properties.

  • In some exceptional cases, a listed building may be delisted. However, this is a rare occurrence and usually requires strong evidence that the building no longer holds the significance for which it was originally listed. Delisting a building typically involves a formal review process by the relevant heritage authorities.