Listed Home Insurance

To obtain a quote for listed home insurance, you will need to provide details such as the age and grade of the listing, the construction materials, any renovations or alterations, security features, the value of the building and its contents, and any specific risks associated with the property. In England and Wales, the grading system for listed buildings categorises them as Grade I, Grade II*, and Grade II, with Grade I being of exceptional interest.

Sometimes, yes – listed homeowners can typically find their premiums cost more when compared with standard properties. The main reasons for this are that experts will be required to repair and/or rebuild the property if needed, and the cost of the materials used for the repairs can be more costly because they tend to be specialist materials. Additionally, listed buildings are often of special interest, requiring preservation and special permission for any alterations or renovations.

If you own a listed house, you should consider specialist listed house insurance. This is because of the cost of the materials used to fix or rebuild them. The materials used can be specialist and relatively rare compared to modern house materials, meaning they cost more to acquire.

Because there is a limited supply of listed properties, the demand for them can be high. This means their value tends to appreciate more than with standard properties. It is often also for this reason that many listed homeowners have bought them for their long-term investment value.

Any changes you intend to make to a listed property, whether that’s an extension, any kind of alteration, changes that affect the building character, or even if you are thinking about demolition, you will need to obtain listed building consent from your local planning authority.

You can tell if your home is listed by checking the National Heritage List for England (NHLE) or contacting your local council. Grade I buildings are of exceptional interest. Listed status is given to buildings of historical or architectural significance, and such properties are recorded in official registers.

Whilst living in a conservation area may impose certain restrictions, it does not necessarily mean you need specialist listed home insurance. However, if your home is also a listed building, specialist insurance is recommended to ensure comprehensive coverage for the unique risks associated with listed properties.

Generally, insurance policies do not cover unapproved alterations made by previous owners. It’s crucial to ensure that all changes to a listed building have the necessary approvals and to inform your insurer about any known modifications when purchasing the policy.

To make a claim on your listed home insurance with Abode, contact us as soon as possible. To make the process as smooth as possible, we recommend that you keep records and photographs of any damage and the repairs carried out.