LISTED BUILDING INSURANCE
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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 PROPERTY
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.
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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.
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 if you need to rebuild or repair it.
up to £1 million
(eligibility criteria applies)
Contents cover
Covering the value of all your possessions in the home, on a new for old basis.
from £25,000
Alternative accommodation
For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.
up to £85,000
Home emergency
Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.
up to £500
Family legal protection
Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.
up to £25,000
Trace and access
Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.
up to £10,000
Outbuildings cover
Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).
from £20,000
Liability cover
Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.
up to £5 million
Personal possessions
Cover for portable items that you take out of your home, like bags, clothes and sports equipment
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) and valuables (e.g. watches and jewellery) that you take out of your home.
Optional
Accidental damage
Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. 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.
Allow at least eight weeks when applying for Listed Building Consent. If works are urgent, you should discuss this with the Planning Services Department. If the building is Grade I or Grade II*, a longer period should be allowed in order for the local planning authority to undertake the additional consultations required for these special buildings.
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.
Listed homes are usually categorised because they are of special importance to the UK. If they are architecturally of special interest or are nationally important then you cannot live in the property as you would in a normal home. Your insurance must protect the building and maintain its original features. It is for this reason that it can be difficult to find the correct level of insurance.
Additional Cover Options
Accidental Damage
The Homeprotect policy includes the option of Basic Accidental Damage, which covers electrical home entertainment equipment (such as desktop computers and monitors, DVD and Blu-Ray players, gaming consoles, home cinema systems, sound systems and TVs) up to £1,500 per claim. An upgrade …
Legal expenses cover
The insurance policy includes Basic Legal Expenses cover which provides up to £25,000 for legal fees you may face for disputes associated with your home; such as ownership of the insured property; and the sale or purchase of the insured property. You can upgrade to Full Legal Expenses cover.
Home emergency cover
The insurance policy includes Basic Home Emergency cover which provides cover for common home emergencies including burst pipes; failure of the domestic power supply (gas or electricity); and removal of pests or vermin. You can upgrade to Full Home Emergency to include cover for roof …
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