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Listed property insurance
Because listed and period properties cost so much more to repair, finding good-value listed property insurance can be difficult. But there is a handful of specialist insurers and brokers available, and some of the bigger national insurance companies can give you a competitive quote for listed property insurance.
There are nearly 500,000 listed properties in England, and their owners are responsible for making sure these buildings are kept in good condition. In fact, if you buy a listed property and knowingly under-insure it, you could face legal action. Even if up to 60% of your building is destroyed in a freak accident, English Heritage requires that you rebuild it. It’s recommended that a listed property insurance policy should cover all the costs for a worst case scenario like this.
What should I look out for when taking out listed property insurance?
Listed property insurance is different from standard buildings insurance in many ways. Before signing your policy, you should get your property valued by a specialist, as you’ll need your insurance to cover the cost of authentic materials and methods of construction. A quick look at the outside of your property is not enough to establish how much it should be insured for, and a specialist will understand this.
If your property has a thatched roof, a listed property insurance policy may not be enough to cover it – you should look into taking out insurance that has been developed especially for thatched properties.
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How can I reduce my listed property insurance premiums?
The premiums for any home insurance policy can be reduced if you take risk-reducing measures. Listed properties are at particular risk from fire and theft, so regular electrical checks should be performed, and you should fit burglar deterrents. All loss control provisions must be carefully designed so as not to compromise or damage the historic fabric or integrity of the building.
