Listed Building Insurance
Best Hassle Free Listed Building Insurance For you
Specialist Cover for Historic Properties
Owning a listed building comes with many unique responsibilities. Whether you reside in a historic home, manage a heritage property, or own a thatched-roof cottage, listed building insurance ensures your property is protected by its architectural value.
Unlike standard home insurance, our specialist policies cover the specific risks associated with listed buildings. As part of our listed building insurance, our thatched roof insurance ensures that your property retains its historic charm while being fully protected.
What is Listed Building Insurance?
Listed building insurance is a bespoke insurance policy designed to protect old, historic, or architecturally significant buildings. Listed buildings are classified into three categories:
Grade I: Building with exceptional and national importance.
Grade II*: More than special interest buildings.
Grade II: Buildings of special interest, the most common category.
Such buildings require specialised materials and expert craftsmanship for repairs and restoration. Standard home insurance is not enough to cover the unique requirements of listed buildings.
What Does Listed Building Insurance Cover?
Listed building insurance is essential because standard home insurance policies cannot cover unique properties under listed building insurance. Listed buildings and thatched roof properties require high maintenance. Therefore, always ensure that your listed building is covered with the perfect insurance policy.
What is Covered:
Rebuild & Repair Costs
Accidental Damage
Public Liability
What is Not Covered:
General Wear & Tear
Negligence or Poor Maintenance
Unauthorised Alterations
Thatched Roof Listed Building Insurance
Thatched roof listed building insurance provides specialist cover for historic properties with thatched roofs. These are made from dry vegetation, which requires meticulous maintenance. The listed building insurance policy for thatched roofs is designed to protect properties against fire and weather damage.
Standard home insurance policies are not enough to cover thatched roofs. Thatched roof insurance policies include rebuild costs, liability protection and fire prevention measures. You should also conduct regular maintenance, chimney inspections and fire safety precautions. Safeguard your properties with our thatched roof insurance.
Why Choose Our Listed Building Insurance
Bespoke Cover
We offer customised listed building and thatched roof insurance policies to our high-net-worth customers.
Heritage Specialists
Our insurers offer the best advice and cover for listed buildings, ensuring comprehensive protection for historic buildings.
Personalised Service
We take time to understand your property type and unique requirements to offer the best-personalised services.
Listed Building Insurance: What Affects the Cost?
The cost of listed building insurance is dependent upon various factors. The price depends on the property’s age, grade classification, location, rebuild value, and the material used.
Listed building insurance costs are higher than standard home insurance policies because they account for unique craftsmanship, repairs, materials and other risks associated with old buildings.
Thatched roofs and other factors also influence the overall insurance costs. To get an accurate quote, insurers assess the property’s unique risks, maintenance costs and other legal preservation obligations.
Contact Us Today For a Free Consultation
Protect your properties with our listed building insurance. Whether you own a Grade I, Grade II*, or Grade II listed home, we provide bespoke coverage tailored to your needs.
FAQs
Find answers to commonly asked questions about listed building insurance.
What is listed building insurance, and why do I need it?
Listed building insurance is a specialist cover designed for properties with historical or architectural significance. Standard home insurance may not cover the higher repair costs and strict conservation requirements of listed properties.
Is listed building insurance a legal requirement in the UK?
While it’s not a legal requirement, many mortgage lenders insist on it. Owners must also ensure their listed property is appropriately maintained and repaired using approved materials.
Does listed building insurance cover thatched roofs?
Yes, specialist policies include thatched roof insurance, covering fire risks, weather damage, and the higher cost of skilled craftsmanship required for repairs.
What risks are covered under listed building insurance?
Policies typically cover fire, storm damage, theft, vandalism, and liability protection.
How do I reduce the cost of my listed building insurance?
Regular maintenance, installing fire safety measures, and Signature Insure listed building insurance expertise can help lower premiums.