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Listed Building Insurance

Adaptive Insurance That Protects Your Historic Haven Without Fuss

Buying a listed building but struggling to find affordable listed building insurance? Not sure what type of cover your listed building needs? We’re able to help you find the best possible deal from our insurance partners for your property, saving you the stress and making sure you get the price and cover you’re looking for.

Listed buildings can be a little more tricky to insure, which is why our flexible listed property insurance is made for you.

Listed building insurance

Who Needs Listed Building Insurance?

Defend Your Home’s Heritage With A “Troll” Lotta Love…

If you own a listed building, securing the right home insurance is crucial. Your policy must specifically cover your property’s grading type to ensure you’re adequately protected. Without specialised listed buildings house insurance, you could face a financial nightmare if something goes wrong and you mistakenly rely on standard home insurance.

A listed building has either significant architectural features or is of historical interest and can be either grade I or grade II* and grade II, being of special, particular or exceptional interest. These types of buildings often come with strict regulations regarding repairs, renovations, and maintenance, so your insurance needs just as much care and attention as your period property’s upkeep.

Why do you need Listed Building Insurance?

Complete Coverage When Unseen Dangers Could Be Lurking…

Just like normal home insurance, listed property insurance gives your financial peace of mind if accidents, damage or theft occur. We hope it never does, but you don’t want to be left to pay for it all on your own at an already stressful time.

When you own a listed building, that potential cost and stress are doubled, as it can cost a lot more to return your listed property to its original state while adhering to strict heritage rules. With specialist insurance that covers you from all angles, you can spend more energy on enjoying your property and less on wondering whether you’d be able to afford to repair your home or replace valuables should the worst really happen.

At Orwell, we’re ogre-joyed to help you find the right price and the correct cover, even if you might have trouble finding insurance elsewhere. We can find your dream deal with ease and protect your listed building as well as your wallet!

Types Of Cover

You can either get building cover or contents cover – or a combination of both – for your listed building. Building cover is a must, as it protects the property itself, including its structure. Contents cover what is inside your home, such as possessions and furnishings.

Special Add-ons for Special Homes

For listed buildings, you might choose from additional policy extras like:

Home emergencies
Legal expenses
Accidental damage

What Does Listed Building Insurance Cover You For?

Your listed building home insurance gives you financial support in the event of losses arising from Fire, Theft, Flood or Storm Damage to name a few. But what exactly are you covered for?

Here’s an overview of what your policy can protect you against, although your personalised policy might look different depending on your selections…

What’s covered

  • Buildings – the cost of repairing, replacing or rebuilding your home up to an agreed sum (including temporary accommodation costs)

  • Contents – the cost of repairing or replacing the contents of your home or removal of your contents to other premises.

  • Valuables & Possessions – the cost of repairing or replacing your valuables and possessions that are lost or damaged even away from home.

  • Accidental damage to buildings and/or contents

  • Domestic freezer cover – the cost of replacing food in your fridge or freezer if it stops working

  • Legal Liability to the public – your liability as a private individual and as owner or occupier of the home for bodily injury or property damage caused to another person or property

  • Accidents to domestic staff – your liability for bodily injury to your domestic staff

  • Money – theft or accidental loss of money

  • Bank cards – any amounts that you become legally liable to pay as a result of unauthorised use following the loss or theft of your card

What’s Not covered

  • Wear and tear or any other gradually operating cause (for example, damp formed over a period of time due to blocked or poorly maintained guttering or the mechanical or electrical failure of a television)

  • The cost of replacing undamaged or remaining items or parts of the buildings which form part of a pair, set or suite following the loss of or damage to the matching item(s)

  • Loss or damage to domestic fixed fuel tanks in the open, swimming pools, tennis courts, drives, patios and terraces, gates and fences and contents in the open caused by storm, flood or weight of snow

  • Motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories

  • Any property held or used for business purposes

  • Existing and deliberate damage occurring before the beginning of the period of insurance or caused deliberately by you

  • Damage caused by domestic pets

  • Infectious or contagious disease

Listed Building Insurance

FAQS

  • We can provide a listed building insurance quote quickly and easily. To streamline the process even further, gather some basic details about you and your property, claim history, any current home insurance policies, and your building’s estimated rebuild value.

  • There’s no legal requirement for a listed building to have special insurance simply because it’s listed, just like home insurance isn’t legally required. But it is a wise thing to do to protect your finances, especially when a listed building could be especially expensive when it comes to repairs, replacements, or even rebuilding.

  • Once you’ve selected your insurer and set up your policy with them, you’ll receive documentation letting you know exactly how to make a claim. This will be a phone number with a friendly service that can help you through the process of claiming.

  • We’ll be able to consult our insurer partners for an exact quote when you request a quote with us, but it’s helpful to know that listed building insurance can be more expensive than regular home insurance because of the additional value you’re covering. This makes sense when you think that even basic repairs, such as replacing windows, could cost into the thousands in a listed property.

  • You can get listed building insurance to cover your buildings, contents or both! We can find your ideal insurance policy with just a few details about you and your property and what kind of coverage you’re looking for.

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Cristal Business Centre, 47 Knightsdale Road, Ipswich, Suffolk, IP1 4JJ

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Orwell Insurance Services Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register
(https://register.fca.org.uk/s/) under reference 311566

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