Listed Building Insurance
Owning a listed building is like owning a little bit of history. Get specialist listed building insurance from us to keep your precious property covered.
What is a listed building?
A building is listed when it is of particular architectural, cultural or historical significance. These buildings are placed under special protection, meaning that if you own one and you want to make any changes to its structure, you will need to get planning permission first.
There are a number of different grades and categories for listed properties:
- England and Wales: Grade I, II* and II
- Scotland: Category A, B and C
- Northern Ireland: Grade A, B+, B1 and B2
What is listed building insurance?
Listed building insurance is a specialist type of cover that takes into account the increased risk and higher repair and maintenance costs that these properties require.
As they are usually older properties, listed buildings are more likely to suffer from issues like damp and subsidence, making them a higher risk for insurers. This means that some insurance companies don’t offer home insurance for listed buildings, so you might struggle to get a quote from more mainstream providers.
Plus, when listed buildings are damaged, they generally require specialist tradespeople and traditional materials to repair them. This makes them more costly to maintain.
Types of listed building home insurance
You can choose from three different types of home insurance:
- Buildings insurance: this insures the main structure of your house and covers you for the expenses involved with rebuilding or repairing the property. It covers against a wide range of issues, including fire, earthquakes, explosions, lightning, theft, malicious damage, storms, impact damage, the escape of water or oil, falling trees, floods and subsidence.
- Contents insurance: this covers the personal belongings and possessions in your home against a wide range of hazards, including theft, loss, damage, fire, earthquakes, explosions, lightning, malicious damage, storms, damage caused by impact, the escape of water or oil, falling trees, floods and subsidence.
- Combined cover: this combines buildings and contents cover and is often more cost effective than buying the policies separately.
What’s covered in Adrian Flux’s listed building insurance?
Listed building insurance is a specialist type of cover that takes into account the
Given that no two listed buildings are the same, we offer tailored cover to suit your property. Some of the more common specialist types of cover we offer for listed properties include:
As they are usually older properties, listed buildings are more likely to suffer from
- Cost of specialist materials and labour to help restore building to its original condition in the event the building is damaged
- Damage caused to the brickwork of the building, whether this is caused by vandalism, fire, floor, storm, or some other reason
- The costs for alternative accommodation in the event you cannot live in the building
- Home assistance and legal cover
- Accidental damage to electrical equipment, fittings, and more
- Full cover for all listed properties, including grade I, II and II*
- 24/7 claims hotline with counselling support
- Domestic Assistance Helpline with advice and contact details for tradesmen
- Discounts for alarms and security locks
- Discount when you take out buildings and contents cover together
- Easy payment by credit card or direct debit
Why choose Adrian Flux for listed building insurance?
Adrian Flux is one of the leading specialist home insurance brokers in the UK and one of just a few offering a full range of policies to owners of listed properties, with both contents and building cover available.
Because listed homes are, by their nature, a non-standard insurance risk, all our policies are designed for your individual situation. Our knowledgeable team can also help find you the best policy for your needs.
Extra Benefits
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Family Personal Accident
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Gadget Insurance
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Home Emergency Cover
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Home Insurance
What are the different grades for listed buildings?
The three most common grades are I, II and II*. They differ in the following ways:
Your property is of exceptional interest. This is the highest level of significance.
Your property is of particular importance. This means it has more significance than grade II buildings.
Your property is of special interest. Most listed homes fall under this category.
How much is listed building insurance?
Listed buildings come in all shapes and sizes, from grade II thatched cottages to postmodern properties, so it can be difficult to say exactly how much your insurance will be. If you’d like to get an idea of how much your quote will cost, get a quote from us.
FAQs
In most cases, listed building insurance is more expensive than regular household insurance to reflect their unique nature. For one, listed buildings tend to be older, which makes them more prone to issues. In the event a listed building is damaged, specialist parts or materials and expertise from craftspeople are usually required, which can be more difficult or expensive to source.
The best and most accurate way of calculating rebuild costs is to get a survey done by a chartered surveyor.
