Listed Building Home Insurance

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Benefits

  • Cover for every grade of listed building
  • Defaqto 5 Star rated cover
  • Wide range of policies to choose from
  • Up to £10M Liability Cover
  • Cover available for Non-Standard construction
  • Unique and exclusive insurance schemes

Listed building insurance

Is the home you own a listed building? If so, it is by definition a property of historical and architectural significance. It is a special building and one whose rarity and interest is almost certain to be reflected in a higher than usual market price.

The rare value and idiosyncrasies of your listed building, however, may give a problem to regular home insurance providers who are typically more accustomed to providing cover for houses of standard construction and design.

The unique characteristics which made your home a listed building in the first place requires specialist listed building insurance which takes full and proper account of everything that makes your home so special. For a one off graded home, then bespoke listed building insurance becomes necessary.

Why do you need specialist listed building insurance cover?

Listed buildings might not be altogether uncommon – there are an estimated 500,000 of them in England alone. Critically, however, each one is different and the majority (some 92%) are classified as Grade II and the most likely to be used as a place of residence. The remaining categories – Grade I or Grade II* – are subject to strict planning laws which might make the building unsuitable for use as a normal home.

Graded building insurance takes full account of the unique characteristics of your home, ensuring that its individual features are reflected in the range of risks covered and designed to provide a level of cover reflecting the likely costs of complete reconstruction in the event of its total loss.

This comprehensive, bespoke style of prestige property insurance cover is typically not offered by standard building insurers.

What does listed building insurance cover?

Rebuilding a home of non standard construction – such as a listed building – is likely to require very specialist skills and materials, all of which are likely to come at a high price.

Just as you needed to have a certain level of wealth to own the listed building in the first place, so you may need high net worth insurance to provide the cover you need for the structure and fabric of your home.

Listed building insurance covers the distinctive peculiarities of the structure and fabric of your home, but you are also likely to require high net worth insurance for the contents of the property, too. Our range of policies can include single item cover limits from £15,000 up to £25,000.       

From £5m to £10m property owner’s cover

Because of the often unusual design of a listed building, there may be greater risks of callers and visitors, neighbours or members of the public sustaining some type of injury or having their own property damaged through contact with your home. In that event, you may be held liable as the property owner. Listed building insurance, therefore, is also likely to provide property owner’s liability cover – typically, up to £10 million of indemnity, depending on the policy you choose.

Why choose us at UKinsuranceNET?

We have the expertise and we have the experience is providing insurance cover for practically every type of property – including unusual, non standard and distinctive listed buildings such as your own home.

Our listed building insurance can be tailored to meet your – and your property’s – own unique needs and is backed by a 5* star Defaqto rating. Our prestige property insurance policies also have additional, useful benefits not offered by a standard home insurance policy, such as unlimited cover for damage caused by pets and ID protection cover with Experian.

The first class customer service we are committed to providing to all our customers is also backed by the confidence and reassurance of our authorisation and regulation by the Financial Conduct Authority.