Excellent service from start to finish. The team took time to understand exactly what I needed and found me a great policy at a competitive price. Couldn't be happier with the whole experience.
Been with Chris Knott for over 5 years now. Easy renewal process and the team are always a pleasure to speak with. Proper UK-based advice you can actually trust.
After being let down by my previous insurer, Chris Knott made the whole process painless. Honest, straightforward, and friendly from the very first call. Highly recommend them.
Andy was brilliant - talked me through all the options clearly, no pressure, and found me a much better deal than the comparison sites. This is how insurance should be done.
I needed specialist cover for my classic Jaguar and Chris Knott sorted it quickly and at a great price. Really impressed with the level of knowledge and personal service.
Switched my home insurance after a recommendation from a friend. Very competitive premium and the whole thing was done in under 20 minutes. Very pleased with everything.
First-class service. I dealt with Emma who was patient, helpful and knew exactly what I needed for my thatched cottage. Got proper specialist cover, not a standard policy.
Genuinely good old-fashioned customer service. A real person who actually listens and helps you find the right cover. Wouldn't go anywhere else for my insurance now.
Had a claim last year and Chris Knott supported me throughout. Made a stressful situation much easier. Fair, fast, and professional - exactly what you want from a broker.
Renewed my multi-car policy today. Still the best value I've found anywhere and the team remembered me from last year. That personal touch really makes a difference.
Very helpful team, especially when I needed to add a modified vehicle to my policy. Talked me through everything and made sure I was properly covered. Excellent all round.
Chris Knott have been brilliant for my listed property - most insurers wouldn't touch it but they found me comprehensive cover at a sensible price. Grateful for their expertise.
Efficient, clear, and competitive. I ran through three comparison sites before calling Chris Knott and they beat them all. UK-based team made the whole thing painless.
Outstanding from start to finish. I've recommended Chris Knott to everyone I know - my parents, my sister, and even my colleagues. They never let anyone down.
The service is what sets Chris Knott apart. You get proper advice from people who understand insurance, not a script. Worth every penny and more.
Listed Building Home Insurance provides you with specialised contents and buildings cover for vital financial protection if your listed home is damaged or destroyed.
Listed homes have more complex risks and are more expensive to repair, replace or restore. This is because bodies such as Historic England may need you to use period materials or specialist craftsmanship, which will be more costly and time-consuming than those used for a new house.
Your content may also be more valuable. With Listed Building Home Insurance, you can be sure that your unique home and possessions will be covered in the event of fire, flood, or theft.
They are very helpful and full of knowledge. I would highly recommend Chris Knott for all of your insurance.
Amanda Kentgens
The most common questions we're asked about listed building home insurance. Can't find what you're looking for? Speak to our UK-based team on 0800 917 2274.
Listed Building Home Insurance is a tailored insurance policy that takes into consideration the unique historical and architectural features of your home. This means that it will cover more complex risks than regular Home Insurance as well as the higher costs that are linked to repairing, replacing or restoring a listed home. It will generally include both Contents Insurance and Building Insurance for listed buildings, and will protect you against risks such as fire, flooding and theft.
Listed Building Home Insurance cover will differ from home to home because each property will have its own unique needs. Generally, each policy will provide Buildings Insurance and Contents Insurance that will cover you for risks such as:
You will also get the opportunity to protect individual items of fine art, jewellery, silver and furniture, as well as statuary, office equipment and machinery. You can find out more about cover for valuable items on our dedicated web page for high-value homes.
Listed Property Insurance is not a legal requirement. However, listed properties have more complex risks as well as criteria set out by local authorities or Historic England, Historic Environment Scotland or Cadw that governs their construction and appearance. Together, this can make repairing or replacing structures, fixtures, fittings or contents much more expensive.
Listed homes may also take longer to repair or restore due to the methods required and the need to keep planners updated with progress. This could mean that you will need alternative accommodation for longer if your home is uninhabitable. Having specialised Home Insurance in place can therefore protect you from footing a very expensive bill if the worst was to happen.
In England and Wales, the three grades of listed property are:
Grade 1: buildings of exceptional interest.
Grade 2: buildings of special interest.
Grade 2*: buildings of more than special interest. In England, 92% of all listed buildings are Grade 2. Finding Grade 2 listed Buildings Insurance will therefore be no issue for experienced brokers such as Chris Knott.
In Scotland, the categories are slightly different:
Category A: properties that are of special architectural or historical interest and represent an outstanding example of particular style, building type or period.
Category B: properties that are major examples of a particular style, building type or period.
Category C: properties that are representative examples of a building style, type or period.
In Scotland, the vast majority of listed properties fall under Category C.
To get all the cover you need, you need to know the rebuild value of your home. This will probably be a lot higher than that of a new home. This is because period materials or specialist skills may be required. A listed home is also likely to have special features and luxury fixtures, fittings and contents.
When choosing Listed Property Insurance, you need to think about what exactly needs insuring, including any additional structures or special contents. For instance, you may have a fine art collection or your listed status could extend to extensions or other buildings on your land. Unless there is a specific exemption, your listed status will apply to both the exterior and interior of your property, which could mean that you need to use period materials and craftsmanship inside and out.
You will often need to consult a body such as Historic England before carrying out repairs or replacements, so you need to make sure that your policy will cover the extra expense of having to use specific materials or craftsmanship.If your property is underinsured, your insurer may not pay the full amount needed to repair or rebuild your home. This can lead to a ‘condition of average’ being applied. This means that an insurer will pay out the same proportion of the premium paid. In other words, if you paid 75% of the actual premium due to underestimating the rebuild cost, your insurer will only pay 75% of the expenses. You will have to cover the remainder yourself.
To help you get the right level of cover, talk to an experienced Listed Building Home Insurance broker at Chris Knott Insurance.
Listed Building Home Insurance costs will depend on the unique risks and needs of your home. Factors such as your building’s location, its history, occupancy and use, materials, fixtures, and fine art or collections will all play a part. The premium will also be determined by the full rebuild cost of your home.
It is very important that this is accurate so that the costs of repairing, replacing or restoring your home can be met. Planning obligations for some properties may insist on your property being replaced on a like-for-like basis with period materials and craftsmanship, which can be very expensive. An expert is best consulted for this process. For instance, if your home has an 18th century facade but much older interior wood, this will need to be factored into the rebuild cost.
To find out how to correctly estimate the rebuild cost of your home, speak to an experienced member of the Chris Knott private clients team.
Whatever kind of property you own, rent or let, we arrange specialist cover from a panel of leading insurers. Browse our full range below or speak to our team.
One broker, many kinds of cover - all handled by our UK-based team.
Classic, modified, imported, performance cars and more. Owner's club members save up to 15%.
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Liability, professional indemnity, shop insurance, fleet cover and business interruption.
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Annual, single trip, medical conditions and group travel cover for UK and overseas.
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Charity, church, dog business, allotment and place of worship insurance from specialists.
ExploreEvery page is written and fact-checked by our UK-based insurance specialists. Chris Knott Insurance has been arranging cover since 1983.
Every listed building home insurance policy is different. Speak to our specialist UK-based team and we'll arrange a quote that properly reflects your property and circumstances.
