200 year old house - insurance?

[MyAngels]

Hi all

I'm about to buy a 200 year old house, after only ever owning newish houses. I suspect that the usual insurance suspects (we're currently insured with Tesco) might not be keen on 200 year old properties. Its in good condition, not a ruin, is stone with a slate roof, not thatched, just old.

Does anyone have any recommendations for good insurers of period properties?

Thanks

NFU Mutual or Chubb not necessarily the cheapest, but the most used to dealing with old properties. These recommendations come from the builder who does all the subsidence insurance work in the georgian and victorian parts of the Isle of Wight.

M&S - mine was built in 1835, so not quite 200, but they insured me for years.

It sounds like it's of fairly standard construction, and it's not outrageously old - you might have more options than you think.

NFU Mutual are the people generally recommended for historic properties - not the cheapest, but they've been very good to deal with when we've needed to make claims.

Our house is not quite that old, c.1840. We're insured with NFU mutual. I've not claimed from them, but they dealt with the previous owners claim well.

As long as the house doesn't have subsidence, you should have several to choose from. Once you've claimed for subsidence, you're pretty much stuck with that company forever more.

I think Stone properties are a bit more expensive to insure than brick as the rebuild costs are higher. Were with nfu for our 300year stone house.

Try Hiscox too - they are good with old houses, and their service is great

200 years not that hold in house terms particularly if not listed etc. try usual insurers first. hiscox good for more top end insurance but not just old houses. but you'll prob pay more.

Lots of insurance companies will insure you but you'll need to phone them as they won't offer cover online. I work for one of the bigger companies and we're very likely to cover you if you call.

My house is much older than 200 years and have never had a problem getting insurance.

Our other pad is over 200 yrs old & we've never had problems insuring it. We've used a local company - noth the big ones you see on TV.

Another vote for NFU Mutual here.

My house was built in 1620 and has a river in the garden - still can get insurance.

I had this. Tesco's policy only covers houses built since 1923 or something, and you can ask for further details but then someone told me to use Rex Harrison, which I did. I didn't look around at all, so take someone else's recommendation. I left it so late that I was just worried that the house would burn down. I wouldn't bother with Tesco, though.

Never had any problem with our 160 yearold place.
Just with the question on the form when was your property built.
Since the main part is pre 1850, but it has 1970 and 1980's extensions and a post 2000 conservatory I know about.
Given the ends are stone and the front and back are brick. I suspect loads of rebuilding and alterations that I have no record of at all

Hiscox

We had problems insuring our 200 year old house.

NFU mutual had the best price. Haven't had to claim so can't comment on that side of things.