Listed Building Insurance
- We cover all listing grades and categories and any age of property.
- Cover for art, jewellery and antiques.
- Underwritten by AXA Insurance.
- Average quote time is only 10 minutes.
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Listed Building Home Insurance
Protecting homes with architectural or historical significance
“Listed” buildings are properties which have been identified as having historical, architectural, or cultural significance that is legally protected and regulated. The listing identification stage is held through a survey of an area, or a building preservation notice, by a local planning authority.
Listed Building Grades
Listed buildings are graded from I to III in England and Wales, or from A to C in Scotland, based on their level of historic and architectural importance. Because a number of buildings will sometimes be recorded in a single listing, the exact number of listed properties in the UK is not known. However, it is estimated to be around 500,000.
Listed Building Home Insurance
Listed properties typically have more significant rebuild costs than standard homes, posing a greater risk to homeowners in the instance of damage or theft. Although the cost of insurance varies for every property, listed building insurance generally has a higher premium. This is because rebuilding an older property often requires specialist tradespeople and materials which are not readily available. Specialist work tends to be more expensive, which is a primary reason for seeking to insure a listed property.
Homeprotect recognises the importance of protecting your listed home and the unique challenges that can come with it, which is why our team of experts is here to help tailor your home insurance policy to suit your situation and needs when it comes to your listed property.
Maintaining a listed building
If you own a listed property, you are responsible for its maintenance. Common listed building renovation difficulties include changing doors, window glazing, outbuildings and fitting burglar alarms. Before you undertake any work, you must seek permission from your local authority, such as your local council or in some cases, a body like Historic England, for them to decide whether you can go ahead with renovations or repairs to the listed building. This applies to both internal and external changes to the property. The reason for this is to ensure the aspects of the listed property which are of special interest are not lost.
You can contact a Quantity Surveyor to arrange a Professional Rebuilding Cost Assessment. To reduce the risk of claiming on your property, you should carry out a regular inspection of your listed property, keeping your eyes peeled for damage to the roof, drainage issues and damp patches.
Listed Home Insurance Reviews
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What’s covered by BUILDINGS & contents insurance?
Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.
It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.
What we offer
Quick home emergency response times
Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.
Extreme weather conditions may extend response time. Policy terms and claim limits apply.
5 star rated buildings cover
Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.
Repair guarantee
Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.
New for old
Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.
Legal advice
We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.
What isn’t included?
Damage cause gradually, or by wear and tear, or by failure to fix a known issue.
Faulty design or poor workmanship.
Damage caused by pets.
The cost of repairing or replacing items following a mechanical or electrical fault.
Lost items.
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buildings & Contents Insurance Cover Levels
Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Buildings cover
Covers the main structure of your home, including attached garages and conservatories, if you need to rebuild or repair it following an insured loss. Also covers permanent outdoor structures such as driveways, patios and boundary walls.
£1 million
(more cover available if you need it)
Contents cover
Covering the value of the possessions you could take with you when moving home, such as furniture, clothing, valuables, appliances, fittings, entertainment equipment, gadgets and bikes, following an insured loss. Cover provided on a new for old basis.
from £25,000
Alternative accommodation
Covers the cost of alternative accommodation for you and your pets, together with reasonable expenses (e.g. travel, food, laundry) if you can’t live in your home (or where you’ve been advised to evacuate) due to an insured loss.
up to £85,000
Home emergency
Covers sudden, unexpected emergencies, such as uncontrollable water leaks, that require immediate corrective action to prevent or limit damage to your home, or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs following an insured loss. There must be reasonable prospects of winning and the incident must have occurred during the policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
Covers the cost of detecting the source of a water or oil leak to your home or outbuildings. Includes reinstating any wall, floor, ceiling, drive, fence or path removed or damaged during the search (up to the claim limit).
up to £10,000
Outbuildings cover
Covers rebuild or repair of your outbuildings (e.g. detached garages, greenhouses, sheds and summerhouses) that are within the boundary or a communal area you’re legally responsible for, if you need to rebuild or repair them following an insured loss.
from £20,000
Liability cover
Covers damages and claimants’ costs and expenses for your legal liability in the event of accidental death, injury or illness to a third party, or damage to property belonging to a third party.
up to £5 million
Personal possessions
Covers items likely to be worn, carried or used by you away from your home (e.g. bags, clothes and sports equipment) in the event of physical damage or theft. Cover provided anywhere in the world.
Optional
Gadgets, bikes and valuables away from the home
Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes), valuables (e.g. watches and jewellery), equipment (e.g. hearing aids) and other expensive or high risk items that you take out of your home.
Optional
Accidental damage
Covers sudden, unexpected and unforeseen events around the house (e.g. spillages or breakages) that result in physical damage and which was caused by you, your guests, a third party or wild animals. Two levels of cover are available.
Optional
New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
Your Questions Answered
Application Forms are available from the Civic Offices. In addition to the completed form you must also submit various additional documents. Please contact the Planning Services Department for advice. There is no fee for applications.
The majority of listed buildings in the UK are grade 2 buildings, and although the cost of insurance varies for every property, listed buildings insurance generally has a high premium. This is because rebuilding an older property often requires specialist tradespeople and materials which are not readily available.
You will need to apply for Listed Building Consent prior to any of the following works being undertaken:
- Alterations, both internally and externally, which affect the character of a listed building.
- Extensions.
- Demolitions.
- Partial demolitions.
To summarise, all works other than minor ‘like for like’ repairs would require Listed Building Consent.
In all cases you should seek advice from the Planning Services Section.
If your home is a Listed Building or it was built before 1720, you will need to consult a Chartered surveyor or a specialist property valuer to provide you with an accurate rebuild cost.
If you purchased the property in the last 5 years your homebuyers survey may include the rebuild cost. However if you purchased the property more than 5 years ago you will need to get an up to date assessment.
If your home is of standard construction (normally brick walls and tile roof), not a listed building and not built before 1720 you can use the free online BCIS Rebuild calculator.
If your home is built with non-standard construction materials, or it’s a Listed Building or it was built before 1720, you will need to consult a Chartered surveyor to provide you with an accurate rebuild cost.
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