Specialist listed building insurance policies are tailored to the risks and expenses of living in a listed building. They’re offered by insurers who often have expertise in covering and maintaining listed buildings so they can direct you to qualified tradespeople to perform the repairs. Additionally, these companies can often offer you more affordable cover than you’d find elsewhere.
If you live in certain types of listed buildings you’ll often find the best coverage from even more specialised providers. For example, thatched roof home insurance is its own product with its own range of providers.
As with standard home insurance policies, there are two types of listed buildings insurance: buildings, for the structure of the home, and contents, for the possessions you keep within it. You can also top up listed buildings insurance with extras, including accidental damage and alternative accommodation cover.
When seeking out listed buildings insurance, you’ll need to provide the estimated rebuild cost of the home—the total amount it would cost to rebuild the building from the ground up. This can be difficult to work out for listed buildings, so you’ll likely need to consult a chartered surveyor to do the calculations for you.