Listed Building Insurance

Choose a specialist who can protect the architectural or historical significance of your property.

What is a listed building?

A listed building is one of architectural or historical significance that is protected by listing marks. The building is protected from damage, neglect and structural changes without permission so that it can be enjoyed by future generations. Typically, any property constructed before 1700 is listed.

Contrary to common belief, a listing mark is not designed to prevent changes to the building. Only to ensure that consent is given before any changes are carried out, to preserve the features that are of special historical or architectural interest.

Usually a building must be at least 30 years old before it is considered eligible to be recognised as a listed home, however, anyone can nominate a property to be listed. This protection system operates under The Planning (Listed Buildings and Conservation Areas) Act 1990. A programme of listing priorities exists for buildings that have already been identified as at risk.

Double Glazing for Listed Buildings Video

Double Glazing for Listed Buildings

HomeProtect interviews SPAB, and gets first-hand insights into how to care for a listed property in the most cost efficient way. 

Watch the video

Grades of listed buildings explained

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. It is estimated to be around 500,000. There are varying categories for England and Wales, Northern Ireland and Scotland.

Listed buildings in England and Wales:

  • Grade II - 92% of all listed buildings are Grade II buildings of special architectural or historical interest. This the most likely grade of listing for homeowners.
  • Grade II* - 5.5% of listed buildings are Grade II*. These buildings are particularly important and deemed to be of more than special interest.
  • Grade I - Just 2.5% of listed buildings are Grade I. These buildings are of exceptional interest.

Listed buildings in Scotland:

  • Category A – Of national or international architectural importance, or a fine example of some particular period.
  • Category B – Of regional importance, or a major example of some particular period or style which may have been altered.
  • Category C – Buildings of local importance, or a lesser example of any period or style, as originally constructed or moderately altered; and traditional buildings.

Listed buildings in Northern Ireland:

  • Grade A - Buildings of great architectural importance, and the least altered examples of a particular style or period.
  • Grade B+ - A building that may merit grade A because of exceptional features, interiors or environmental qualities but has an incomplete design.
  • Grade B - Buildings of local importance and good examples of a particular period or style, where a degree of alteration or imperfection is acceptable.

Maintaining a listed property

If you own a listed property, you are responsible for its maintenance. This can be a difficult task, considering that many of the techniques used to build the house may have fallen out of use. For this, you will need a specialist contractor. Traditionally, specialist works are more expensive, which is a primary reason for seeking specialist house insurance for a listed property.

Before you undertake any work on your listed house you must seek permission from your local authority. This applies to both internal and external changes to the property. Your local council, and in some cases a body like Historic England, will ultimately decide whether you can go ahead with renovations or repair work. This is to ensure that the aspects of the listed property which are of special interest are not lost.

Listing covers the complete interior and exterior of the listed building and can also extend to fixtures. Common difficulties for listed home owners include changing doors, window glazing, outbuildings and even fitting burglar alarms.

Insuring your listed building

Listed properties tend to have a greater rebuild cost than standard homes, meaning that they can be subject to larger insurance premiums. Therefore, working with a specialist insurance provider such as HomeProtect will ensure that you can achieve the best possible quote for your circumstances. If in doubt, 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.

Insurance For Listed Buildings

  • HomeProtect can insure all listed grades and categories in the UK
  • £500K rebuild cost, taking the use of original building materials and methods into account (more available if your property needs it)
  • Discount available for combined Buildings & Contents
  • Public liability up to £5 million available
  • Access to a 24/7 claims helpline
Defaqto 5 Star home business insurance
Listed house

Buying A Listed Building

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Man calculating rebuild cost

Calculating The Rebuild Cost Of A Listed Building

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Listed properties

Listed Buildings Across The UK

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Maintaining A Listed Building

Maintaining A Listed Building

Read more for tax relief

Tax Relief for Listed Buildings

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What our customers say

Your questions answered

Home insurance for listed buildings

More Information

Need more information? Visit our listed building insurance FAQs section and get the answers that you need to protect your unique listed property. 

Listed property insurance FAQs

Offer very competitive rates especially for more unusual properties such as mine which is a listed building. I have called a couple of times to tweak some details on the policy and check a few bits in more detail and have had a pleasant experience with everyone I have spoken to. Keep it up!

KT via Trustpilot

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