According to the National Historic England List and Historic Scotland, there are over 500,000 listed properties throughout the UK. Listing properties marks and celebrates its special architectural and historic interest. It also brings it under the consideration of the planning system, so that it can be protected for future generations.
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When owning a historical 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 the cost. Therefore it is vital that the insurance you choose understands these implications. Most general insurance providers do not cover listed homes because of their specialist interest. If they do they will usually offer blanket rebuild cover, not covering the specific rebuild of your property. This then leaves you to finance the shortfall in the event of a claim.
If you own a historic property and need expert advice on the best way to protect your unique home then call our private client team today.
We are fortunate enough to work in a Grade II property in the heart of Cheltenham. Therefore we are 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 tailored cover for listed and historical buildings. We can arrange for expert surveyors to visit your property and ensure that all aspects have been properly considered. They also provide a dedicated claim team who give practical advice on the best ways to proceed in the event of a claim.
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