Owning a listed property

By Abode Insurance

Listed property article main image, highlighting insurance for historic homes

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Owning a listed or period property has many obvious benefits, but with conditions attached.

Did you know that listed building consent is required for all works of demolition, alteration, or extension to a listed building that affect its character?

Listed properties are subject to extra-legal protection in the planning system, which means you need special permission to make any changes that could impact your property’s character or structure. It’s also your legal duty to preserve your listed property – so if you make changes without permission, or your home is damaged or destroyed completely, you may be required by law to rebuild it exactly as it was. This can be complex and very expensive, and standard home insurance is unlikely to provide you with the protection you need, so using a specialist is vital.

Types of Construction

Historic properties are often built from non-standard materials. Lead roofs, thatched roofs, plaster infill, pargeting, old water mills, metal barns, and even steel framed extensions are all quite common.

All listed properties are subject to certain laws that limit what changes you can make to them, both inside and out. Insuring your listed home with Abode means that you can benefit from our expertise to find you the right cover at the right price.

Preserving the past

When you live in a listed or historic property you are tasked with preserving a bit of the past. This could mean that your home has specific characteristics that make it individually important – which is why it’s listed. Abode can offer guidance and cover for any grade of listed property in the United Kingdom, so you can rest assured that you’re being looked after by the specialists.

With our knowledge of insuring listed properties, we often overcome challenges other insurance providers cannot. We believe that we are perfectly placed to advise you personally and properly – giving you the peace of mind that the historic property in your care is truly protected.

If you’d like to speak to one of our experienced advisors, please don’t hesitate to get in touch, we’d love to speak to you.

You can call us on 01622 476433 or fill in a contact form here.

To learn more about Abode, please click here.

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Abode is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.