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Graded Building Home Insurance
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Cover available for Non-Standard construction
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Up to £10M Liability Cover
• Cover for every grade of listed building.
Graded building home insurance
What attracted you to making such a significant investment in a home of unusually significance or value?
The chances are that its architectural or historical interest are of such importance to the nation’s heritage that the building has been formally registered on the National Heritage List for England (NHLE).
The list grades buildings according to three different categories – Grade I, Grade II* and Grade II. If it is listed in this way, your home is likely to be included as a Grade II listed building – a category which accounts for some 95% of all listed buildings.
As a home of recognised architectural or historical interest, however, standard home insurance is likely to prove difficult, if not impossible, to find and to meet the needs for safeguarding and protecting your home you need specialist building home insurance.
Why do you need specialist graded building home insurance cover?
When a building is listed, strict and rigorously applied planning considerations apply. The most severe of these restrictions are reserved for Grade I and Grade II* buildings, but similarly prohibitive restrictions also apply to those listed as Grade II. Since this category accounts for 95% of all listed buildings, it is the one most likely to apply to your home.
What effect does heightened planning control have on your home?
The planning controls are designed to ensure that no alterations, repairs or reinstatement are made to the building which might detract to its impact on the local environment or undermine the features and characteristics for which it was listed in the first place.
Grade II listed building insurance needs to take into account these strict planning restrictions since they have a considerable impact on claims that may be made and the subsequent cost or repairs or reinstatement. In addition to the extra expense of complying with local planning regulations, repairs or reinstatement may also need to incorporate features of non standard construction or the use of non standard materials, thus further increasing the cost of repairs or reinstatement.
How much is graded building home insurance?
There are some 500,000 listed buildings in England. Grade II listing account for 95% - or approximately 475,000 buildings.
With such a large population of homes given this special designation, it is clear that there is considerable variation in types of building, their particular characteristics and features and their value.
This is reflected in the equally wide variation in the cost of Grade II listed house insurance – a variation that may make it more important than ever to consult a specialist provider on the provision of the cover specifically designed to suit your individual needs and requirements.
Why choose us at UKinsuranceNET?
A Grade II listed home is a special home that requires the tailor-made bespoke cover of special Grade II home insurance.
For that special insurance, you want to rely on the highest possible standard of cover. One of the most authoritative measures of that standard is a five-star rating by insurance industry specialists Defaqto.
By choosing UKinsuranceNET, you may be assured that all of our policies in this specialist category of home protection come with such a five-star rating.