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Two historic homes can look almost identical. They may be the same age, similar in size and in the same area. Yet the amount needed to rebuild them after a major fire, flood or other serious damage can be very different. The point that we always come back to is this: The amount a building is insured for should reflect the likely cost of rebuilding it, rather than what the property would sell for. What do “listed” and “heritage” mean? A listed building has legal protection bec

Only 6% of listed buildings are accurately insured, with 79% underinsured and 15% overinsured. In total, 94% were insured for the wrong amount. The underinsurance gap is particularly stark. Listed buildings that were underinsured were covered, on average, for just 64% of their required rebuild cost. “Listed buildings often carry rebuild cost details that are easy to underestimate from an insurance point of view,” said Johnny Thomson, Head of Strategic Planning at RebuildCostA

Energy efficiency upgrades are now a familiar part of property ownership. Solar panels, heat pumps, battery storage, better insulation, triple glazing and sustainable materials are increasingly common in UK homes and commercial buildings. But one important insurance question can easily be missed: if a building becomes greener, would the rebuild cost still cover what it would take to put it back as it now stands? At RebuildCostASSESSMENT.com, we have already looked at how ener