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Period Property Insurance – Compare Cheap Quotes
While the term ‘period property’ doesn’t have a standard definition, it’s fair to assume that if you’re the proud owner of a period property your home is likely to have a distinctive architectural style, a lot of character and some serious curb appeal.
However, many period properties are also listed buildings, which means they can sometimes be a little more complicated – and more costly – to insure.
That’s why it’s even more important that you shop around for home insurance deals and discounts rather than accepting your existing provider’s renewal quote, because by comparing quotes from a wide range of insurers you stand a better chance of finding the right period property insurance policy at the right price.
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I own a period property – does this mean I need listed building home insurance?
Not necessarily. There’s no standard definition of what constitutes a period property in the UK, but as a general rule of thumb it can be taken to mean any home that was built before the First World War.
So if your own home was built in the early 1900s it would likely be classed as a period property (it would probably be an Edwardian home, to be precise, because Edwardian period properties are those built between 1901 and 1910) but it might not be a listed building – at least not yet.
However, many homes from earlier periods are listed buildings, so a lot depends on which period your period home was built. For instance, if you own a Georgian period property this means the house was built sometime between 1715 and 1830, which means your home may well be a listed building – particularly if it is early Georgian rather than late Georgian.
Do I need period property insurance if I’m only renting?
No, if you’re renting a period property from a landlord it would be your landlord’s obligation to insure that property by taking out a suitable landlord insurance policy.
Since you’re a tenant you would either take out tenants insurance or contents only insurance, and in either case the fact that your rental property happens to be a period property is unlikely to affect your own insurance policy.
Does period property home insurance cover accidental damage as standard?
No, most standard period property home insurance policies won’t pay out if your property is damaged accidentally unless your policy specifically includes ‘accidental damage cover’.
However, although this usually isn’t included as standard it should be possible to add accidental damage cover to your period property insurance as an optional extra, although you will usually have to pay a little more for this.
How can I find cheap period property home insurance?
Beyond that, the following steps can sometimes result in cheaper period home insurance:
- Installing a home security system with alarms, glass-break sensors, and BSI-approved locks, although it’s a good idea to double check with the provider that the alarm you have in mind is insurer-approved before you have it installed. It’s also important to have the alarm system installed by a certified alarm installation specialist, because self-install alarms often don’t lower your period property insurance premium.
- Agreeing to pay for the full year upfront, because annual policies are often cheaper than paying monthly.