Listed Buildings Insurance
If your property is over 100 years old such as a period building, you need specialist cover from our experts.
36 Reviews
36 Reviews
Who is listed buildings insurance suitable for?
If you own a historic property in Ireland that is over 100 years old – such as a Victorian-era building with architectural, historical, or cultural significance – and is designated as a protected structure or listed building, you need specialized insurance that understands the unique complexities of preserving and protecting these irreplaceable properties. Our listed buildings insurance provides comprehensive coverage tailored to the specific challenges of maintaining and insuring these special structures.
What is listed buildings insurance ?
As the owner of a listed building it’s vital that you take out a comprehensive insurance policy to cover the building against any potential damage. Due to the nature of a listed property, i.e. it being an old building, many of them are more vulnerable to damage, especially fire damage, and are typically more costly to repair. As a result, some insurers charge much higher premiums for listed building insurance, and some refuse to insure period properties altogether.
Safeguard the historical charm of your listed property
As a leading home insurance broker, Top Insure is able to provide comprehensive listed buildings insurance policies, tailored to your individual needs thanks to our network of specialist insurers. We offer a number of listed buildings insurance services including:
- Personal Cover – when listed properties are used as personal homes
- Rental Cover – when the property is rented out as one or home or multiple apartments
- Business Cover – when the property is used as office units or to run a business from home
- We are also in a position to offer cover for properties that are over 100 years old.
Comprehensive policies to suit your needs
Every policy we write ensures the safeguarding of not only the unique structure of such historic buildings, but also protection on contents of historical value to the building. Such items include antiques, works of art, and jewellery. Most important of all, we’ll make sure your policy has the most comprehensive cover and benefits for peace of mind; and we’ll do this while getting you the most competitive premiums in the Irish market.
These properties have decades, or even centuries, of history and are costly to repair should the worst happen.
Protecting you from potential financial losses and liabilities
Theft of contents
Owners liability
Storm damage
Fire damage
Fire brigade charges
Malicious damage
Burst pipes damage
Water ingress
Just like every listed building is unique, every property insurance policy is unique and these are just some of the options that can be protected under a home policy you take out through Top Insure.
Benefits of listed buildings insurance with Top Insure
Comprehensive property insurance policies backed by our expert advice, personal support, and local market knowledge to ensure you're fully protected.
Exactly What You Need, Nothing You Don't
Protect what matters most without wasting money, giving you peace of mind that your unique home and lifestyle are perfectly safeguarded.
Cutting Through the Confusion
Save time, avoid costly mistakes, and feel confident knowing a local expert is navigating the complex insurance landscape on your behalf.
Claims Support That Fights for You
When disaster strikes, you'll have an advocate fighting to get your life back to normal quickly and completely, turning a potential nightmare into a manageable process.
Questions about listed buildings insurance you didn't think to ask!
Truth is, you might have alot more questions and our experts can answer them all.
What is listed buildings insurance?
Listed buildings insurance provides specialized cover for properties recognized for their historical or architectural significance. These homes often require tailored policies to account for their unique materials, construction methods, and restoration requirements.
Why is listed buildings insurance more expensive?
Insuring a listed building is often costlier due to the higher expense of repairs or renovations. Restorations typically require approved materials and techniques to preserve the building's character, which can be more expensive than modern alternatives.
What does listed buildings insurance cover?
Coverage includes protection against damage from fire, floods, storms, theft, and vandalism. Policies may also extend to include the cost of using approved specialists for repairs or restoring the building to its original condition following damage.
Do I need listed buildings insurance if I own a listed property in Ireland?
Yes, it’s strongly recommended. Standard home insurance policies often don’t provide sufficient coverage for listed properties, especially regarding restoration requirements. A tailored policy ensures you’re fully protected.
Can I make changes to a listed property and still be insured?
Any changes or renovations to a listed building typically require approval from your local planning authority. Failing to comply with these rules could affect your insurance. Always inform your insurer and consult with a broker to ensure your policy remains valid during and after alterations.
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