Insurance for Listed and Non-Standard Buildings and Homes

There are nearly 500,000 listed buildings in England and their owners have a responsibility to protect them for future generations. In fact, knowingly under-insuring a Grade 1 listed building could involve legal action.

It’s important to work with an insurance adviser who will take time to assess the specific needs of your property and recommend an approach that will protect the building and your investment in it. And in the event of a claim, you’ll want sympathy and efficiency, not more hassle and red-tape

Specialist insurers provide excellent rates for listed and non-standard buildings, in recognition of the care taken by most owners.

Valuation: you buy a home for £500,000 – but how much should you insure it for?

Insuring for reinstatement costs: this can be very different from market value – how much would specialist materials and craftsmen cost?

Listing: the reasons for a listing will inform the sums to insure

Specialist insurers: an exterior assessment won’t suffice
Repairs and renovation: a non-specialist repair job could affect the market value.

Extension and alteration: JCT Minor Works contract conditions

Risk Management: historic buildings are particularly susceptible to fire and theft
Contents: historic buildings may contain art, antiques and collections

Documentation: valuations, historical records, insurance and repair paperwork to support claims

Taking short cuts when insuring a period or listed property is false economy. The issues are more complicated than for modern homes, and our expert team can guide you at every stage.