Insuring a listed home isn’t quite like insuring other properties. These unusual and, often, older properties can be particularly vulnerable to damage and extremely costly to repair, so it’s essential that your insurance properly reflects all of the potential risks. As an owner of a listed building, you may also be held to strict requirements for materials and methods when repairing, so you need to make sure you are fully covered no matter the eventual costs. 

We have a deep understanding of listed buildings in Scotland, England and Wales and the particular requirements that owners have depending on their listing category and the type of building. That means we can make sure you get insurance that fully covers you whatever happens.

Coverage details

• Insurance cover for listed buildings is on a sum insured basis, so we can ensure that the sum accurately reflects the true value and rebuild cost of the building.
• We ensure that you have your choice of contractors to conduct repairs following a loss. That means you can ensure your building is repaired in accordance with any listing requirements.
• We arrange insurance policies that cover on an ‘all risks’ basis, giving you peace of mind that you will be covered no matter what happens. 

Benefits of listed building insurance with Miller

• Access to specialist restorers to reinstate the building with original materials.
• We arrange policies with up to five years of Alternative Accommodation cover, reflecting the extended time often required to reinstate older buildings.
• We work with specialist insurers who understand that your home may also have business uses, whether that’s for occasional weddings or conferences, opening your house or garden to the public, or use as a filming location.