Period property insurance for heritage homes
Insuring Period Properties or Heritage Homes can be harder than finding cover for your new build on a modern estate. In the same way that period properties appeal to owners, the prospect of insuring them is unappealing to many standard insurers.
We believe that home insurance for older properties should not command excessive prices. These properties have already stood the test of time, remaining standing after hundreds of years. Therefore, there is no reason to doubt their structural stability. As long as older properties are regularly maintained, many of them are more carefully and substantially built than modern designs. This is why CoverBuilder offers cover for a full range of period properties. This is whether they are listed, in a conservation area, a barn conversion or simply an older property.
Benefits of insuring your period property with CoverBuilder include:
- Cover for Grade 1, 2* and 2 properties
- Flexible cover options to suit you, with buildings cover limit of £1.5million
- Combined buildings and contents cover
- Cover for garages and outbuildings as standard
- Contents cover up to £150,000
- Personal possessions up to £40,000
- 24/7 Claim helplines
- Trace & Access cover up to £5000
- Cover for outbuildings included as standard
Chat online with an insurance expert
Often insurance can involve more complex situations and circumstances. Therefore we have our insurance experts standing by to help you with a quote. If you have any questions about how to quote for your type of property, personal circumstances or special insurance needs – just chat to us.
Home Insurance for old properties
There are a number of reasons that home insurance for old houses can be more difficult to find. Firstly, the rebuild costs of such properties tend to be much higher than new builds. In part because traditional materials need to be used that are harder to obtain. There is also the added cost of bringing in expert builders. They will be required in order to complete the repairs in the necessary specialist style. This can be particularly true and problematic in listed buildings. You are required by law to reinstate them to their original condition if damage occurs. If you do not you could face hefty fines or even a jail sentence. This is even if the reason you have not carried out the works is that you are underinsured and cannot afford it.
At CoverBuilder we are able to provide listed building insurance for all grades of property. We can cover properties in England & Wales, Scotland and Northern Ireland. This means that no matter what history your home holds within its walls, it can be fully covered by one of our policies. Further details about our listed building insurance options can be found here.
Insurance for an old house can also be difficult to come by. Some believe that such properties are likely to be less structurally sound than a more modern construction. Insurers can fear that damage will be more likely to occur with such a building. This, in turn, increases the chance of you needing to make an expensive claim.
Despite this, at CoverBuilder we do not penalise people for the age of their property. We look to cover properties of a variety of ages, as long as they are in a good state of repair.