Period home insurance drops 15%, but remains over double the cost of newer builds
Data from Compare the Market showed the average premium for a period home was £376 in February 2026, which is £197 more than the £179 average for newer builds.
Owners of period homes are still paying 110% more for home insurance compared to those with properties built after 2000, according to research from Compare the Market.
The average premium for a period home was £376 in February 2026, which is £197 more than the £179 average for newer builds.
Data showed that homes built during the Stuart period cost the most to insure at £545 on average, followed by Georgian homes at £446 and Tudor homes at £418.
Insurance for properties from 1831 to 1836 was £351, Victorian homes £252, and Edwardian homes £243.
For properties built between 1911 and 1999, the average premium was £200.
Despite the gap, the average cost of insuring a period home has fallen by 15% over the past year.
In February 2025, the average premium was £442.
This mirrors a broader 9% fall in UK home insurance premiums in January 2026.
Amy Rootham, home insurance expert at Compare the Market, said: “While period homes are often prized for their character and history, these features can often come with higher insurance costs than newer homes.
“However, it’s encouraging to see premiums for period homes fall over the past year, in line with wider market trends.
“That being said, it’s still a good idea for homeowners to regularly review their cover and shop around to ensure they’re getting the right deal for their needs.”
Related
79% of homeowners have not prepared for extreme weather, research finds
Ceta maps UK unoccupied property insurance hotspots
Alps makes full let property add-on suite available on Acturis platform
Average home insurance claims top £1,400 for renters, data reveals
Protection market delivers good outcomes but coverage gap remains, FCA finds
Score enhances business protection support
Aviva launches digital trust management and death claim notifications for advisers
Home insurers paid £72m for subsidence claims in Q2 – ABI
Alps and Guarantor Insure launch Student Guarantee Protection Insurance scheme
Cream Financial Solutions sets out four-point plan to close protection gap
TMG Mortgage Network adds Beagle Street to protection panel
