Specialist listed building insurance
Designed by you
Listed building insurance is intended to protect the things you value most whether it's a Grade I, Grade II* and Grade II in England and Wales or Category A, Category B or Category C in Scotland we are able to provide specialist cover. Frontier offers you protection and peace of mind - keeping things simple and clear - no hidden fixed limits or exclusions. What you see, is what you get.
Keeping it simple
We offer one product - an online self-service solution - allowing you to design your own cover that you can adjust and manage over time. We’ve simplified and personalised the wording too. Read it before you buy - it’s made especially for you.
Instant online quote
With 24 hour access, you can quote online, for an instant price based on your need and circumstance. Our policies can cover buildings, contents and personal possessions and a variety of exceptional items.
What others say:
We have a relatively complex home to insure - it’s a listed building and rented on Airbnb. The first purchase of cover was really quick and easy. Unfortunately we had a significant claim in the year due to a water leak and the service at this crucial point was easy and stress free to get the problem fixed and the affected room restored. Our renewal quote was slightly higher but fair and still very competitive.
JT Edinburgh
What sets us apart
We offer customers our best price, every time. No haggling, quibbling or hidden costs. We’re compact on price without compromising on service.
Free changes
We may ask for an initial set-up fee when you first purchase. This is to share some of the non-refundable costs incurred. It’s all included and shown in any price we quote. Thereafter, we don’t charge any fees to make changes, cancel or renew. You only pay for any additional premium due. You fully control the cover you buy.
What is covered?
- UNLIMITED (sum insured for Essentials product) Buildings
(except flats)
- UNLIMITED (sum insured for Essentials product) Everyday Contents
(items below £1,500 in value)
- New for old replacements
- £2m Public Liability
- Alternative Accommodation
For damage caused when things like the following happen:
- Fire, lightning and explosion
- Subsidence, heave and landslip
- Burglaries
- Vandalism
- Plumbing leaks inside the home
- Flooding from outside
- Impacts from vehicles
- Flying objects or falling trees
Ways you can refine cover
- Accidental damage
- Personal possessions
- Everyday Contents cover
(items above £1,500 in value)
- Garden contents
- Outbuildings
- Business Use
- Legal expenses
- Home Emergency cover
Check the full policy wording to confirm cover before making any purchase
Frequently asked questions
AI-generated responses are for general guidance only and may be inaccurate. Please refer to your policy documents for the most accurate information.Why do listed buildings need specialist insurance coverage?
Listed buildings can cost more to repair because you may need specialist materials, heritage appropriate methods, and longer project timelines. That changes both the practicalities and the likely cost of a claim, which is why insurers often treat them as a specialist risk.
What are the different grades of listed building status?
In England and Wales, listed buildings are commonly graded as Grade I, Grade II*, and Grade II. Scotland and Northern Ireland use different category systems. The grade reflects heritage significance and can influence what changes are permitted and how repairs must be carried out.
Does listed building insurance cost more than standard cover?
It can, especially where specialist materials or longer repair timelines make claims more expensive. Cost also depends on the accuracy of the rebuild estimate and the insurer's appetite for the construction, condition, and location.
What special requirements apply to listed building repairs?
Repairs may need listed building consent and may have to follow heritage requirements, including using appropriate materials and skilled trades. From an insurance point of view, it matters that repairs are done properly, because poor workmanship and lack of maintenance are not what home insurance is designed to cover.
What happens if I alter my listed building without consent?
It can create legal issues and may complicate a claim if an unapproved alteration contributes to loss or damage. Any significant change should also be disclosed to your insurer, because it can affect the risk being insured.
Can I get listed building insurance for commercial properties?
Cover is usually written around how the building is used. A purely commercial listed building may need a different type of policy than a home, and mixed use properties need clear details about how each part is used before cover can be confirmed.
What documentation do I need for listed building insurance?
Have the listing details ready, construction information, any major renovation history, and a realistic rebuild estimate that reflects specialist repair needs. If there is subsidence, flood history, or prior claims, keeping those documents to hand also helps.
3 Steps to claim
Claims can be made online 24-7 with a dedicated UK based team ready to speak to you in your time of need.
Login and briefly tell us what happened
Our friendly team will validate your claim
Receive payment, replacement or repair
Fee table correct at February 2019
Cover that grows
with you
Quote nowMore Insurance Options from Frontier
Home insurance
UNLIMITED (sum insured for Essentials product) cover for your home. Flexible contents cover to meet your needs.
Flood insurance
Specialist cover for properties at risk of flooding, with flexible excess options.
Subsidence history
Insuring properties with a history of subsidence which has been rectified with a Certificate of Structural Adequacy.