According to the National Historic England List and Historic Scotland there are over 500,000 listed properties throughout the UK. Listing a property marks and celebrates its special architectural and historic interest, and also brings it under the consideration of the planning system, so that this piece of history can be protected for future generations.
If you are lucky to own a listed property you have a greater responsibility for ensuring you have the right protection for your unique home. Owning a listed building needs one very special consideration: if disaster strikes you will be required by law to reinstate using traditional materials and methods matching the original, irrespective of cost. It is therefore vital that the insurance you choose understands these implications. You need to guarantee the insurance you select is willing to cover the full cost and provide specialist support sourcing original, non-standard materials and contractors sympathetic to and knowledgeable in the maintenance of historical buildings. Most general insurance providers do not cover listed homes because of their special interest. If they do they will usually offer blanket rebuild cover, not covering the specific rebuild of your property, leaving you to finance the shortfall in the event of a claim.
We are fortunate enough to work in a Grade II listed property in the heart of Cheltenham and are therefore in a unique position to understand not only the responsibility of owning such a property but also the requirements for insurance. We work closely with a select group of insurers who specialise in providing policies tailored towards insuring listed and historical buildings. They can arrange for expert surveyors to visit your property and ensure that all aspects have been properly considered, and provide a dedicated claim team who give practical advice on the best ways to proceed in the event of a claim.