Listed Building Home Insurance.
The design and construction of historic buildings make them more vulnerable to damage, especially by fire, and more expensive to repair. As a result, standard home insurance is not sufficient. If you own a listed building it is important you source listed building home insurance.
Elevate has extensive experience insuring listed buildings.
We can insure Grade I, Grade II listed buildings, Scotland – B, Scotland – C and Northern Ireland – B and B+ Protected listed properties.
We help you navigate the complexities of listed building home insurance.
- Insurance should be on a full reinstatement or guaranteed basis so that in the event of an insured loss buildings and valuable contents can be put back to what they were rather than simply rebuilt or replaced. This means the same design, quality and style in accordance with current legislation.
- Where the Listed Building has commercial uses business interruption insurance provides for a loss of revenue from visitors or temporary relocation, removal and storage costs
- Contents cover including furnishings, works of art, collections and personal possessions, worldwide. Specialist knowledge may be required to value certain items and a full inventory.
- Renovation work on listed buildings significantly increases the risk of damage or destruction and requires additional insurance which can be included.
- Risk management has a major impact on insurers’ willingness to accept risks and the level of premiums. Typically involves smoke & fire detectors, barriers to the spread of fire, additional controls during renovation work and testing of heating equipment, fire detection and electrical systems.
- Valuations need to be kept updated considering building costs, current legislation, demolition costs, site clearance and professional fees. For contents the market value of items such as art and antiques also need to be regularly reviewed.
- Public or third party insurance provides cover for claims for damage to persons or property, made by employees, visitors and neighbours.
- Significant value may need to be covered in gardens such as ornaments and statues. Some insurers offer policies to cover landscaping too
Elevate Home Insurance FAQs.
What is a listed property?
Listed properties are of special historic or architectural importance, dating from the mediaeval period through to the 1930’s. Even some significant modern buildings are listed. Buildings that have this level of special interest are placed on the Statutory List of Buildings of Special Architectural or Historic Interest.
How can I check if my home is listed?
If you are unsure if your building is listed, you can search the National Heritage List(external link), or contact your local authority.
Is insurance expensive for Listed Buildings ?
Given the costs of repair/reinstatement of such buildings premiums tend to be higher than typical residential buildings.
Do I need permission to repair a listed building?
Yes, making changes to a listed building is a criminal offence if you do not have the correct permissions. Alterations and renovations to the interior and exterior of a listed building need relevant planning consent.
Is listed building insurance complicated to arrange?
At Elevate we can help you through the process and usually get initial cover in place quickly. There may be additional steps including a risk survey and the requirement for valuations and documentation but we can help you through these.
Do I need to keep additional records detailing the listed building and its contents?
Record keeping is important. Photographs, cross-referenced to scaled plans should be kept securely offsite to assist reinstatement work along with photos of valuable items.
Our Commitment.
We treat all of our clients as individuals. We have time to talk, we listen and understand what you need. We are here for clients throughout the insurance process, arranging customised cover, adapting policies as things change, reviewing the market every year and supporting them with any claims. Your personal advisor is available on a direct dial.
Jowyn Wong2022-06-13Best company I’ve ever had the pleasure to arrange insurance with. Richard is so informative and knowledgeable, kept me informed every step of the way to insuring my pride and joy. Professional, personal and utterly perfect. Thank you!
Simone Chawda2021-04-16I could not recommend Elevate enough, they were super helpful in explaining policy cover / options & made the process very easy for me to choose. It was great to have a trustworthy & reliable company finding the best cover for me personally & not in the best interests of commission etc Thank you Elevate!
Will Casswell2021-04-09very helpful. thank you
James Rainbow2021-04-09I had never used an insurance broker before but getting car renewals was getting more and more time consuming. I was referred to Blain at Elevate by a friend and now wonder why I didn't do this before. Elevate are great to deal with and I now have a better level of cover than before at a lower cost with 95% of the hassle removed.
jack gibbs2021-03-21Great personal service! Working with Elevate ensured I recieved efficient and stress free landlord insurance keeping me covered across various properties.
Sean M2021-03-10Just wanted to give a big shout out to Dan White and his team at Elevate Insurance Brokers. Having just moved house and tired of the continual high rises in insurance premiums, I chose to stay local and support local. Dan made sure we had the right cover in place and didn’t leave any stone un-turned. His attention to detail in making sure the cover we needed was second to none. All in, he managed to beat my renewal cost and the top three providers, increased my cover and provided me with the peace of mind that my house and personal belongings were covered. #staylocal #investinlocal #localisbest #homeinsurance #insurance #elevate #trust #confidence #happycustomer
Tom S2020-06-15Great service as ever from Elevate! I already insure my main car with them and had to add another in rather a hurry and I didn't have the time to spend ages on the phone organising, Elevate handled it all seemlessly and had my cover updated perfectly at a reasonable price. Can't recommend them highly enough!
John Yates2020-06-10Contacted Dan and his team to discuss my business insurance requirements. Excellent advice and very thorough explanations on various aspects of the policy ensured we now have the appropriate insurance in place. Thanks Dan.
Latest Elevate News.
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Some of the latest reviews from our great clients! In an ever changing market is your current broker offering the best service and advice? Give us a call 01933 830400
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