Standard rebuild calculators don’t cover listed buildings — and most are insured for far less than it would actually cost to rebuild them in heritage materials. Get an honest risk check in seconds.
Risk indicator only — heritage rebuild costs vary widely and standard calculators don’t cover listed buildings. A conservation-experienced surveyor produces the figure your insurer will accept.
Buildings insurance should cover the cost to rebuild, not the market value. For a listed building that means like-for-like heritage materials and traditional craft — lime mortar, hand-made brick, oak framing, leaded lights, specialist roofing — plus conservation-officer compliance and listed building consent. The cost is far higher than ordinary construction, and the free online rebuild calculators explicitly exclude listed and non-standard buildings.
The result is widespread underinsurance. And if you’re underinsured when disaster strikes, the “average” clause lets the insurer cut your payout proportionately — so a serious fire or flood can leave you tens or hundreds of thousands short, with a building you’re legally obliged to restore.
The check above is a risk indicator using broad heritage benchmarks — not a valuation. The figure your insurer will actually accept comes from a Reinstatement Cost Assessment by a conservation-experienced surveyor, which is exactly what we arrange.