Discount for combined buildings and contents cover
Up to £500,000 rebuild cover under Buildings insurance
If your home is a listed building your property may have an increased rebuild cost compared to homes that are not listed, particularly because listed buildings are typically made with older building techniques and replacements may need to be made as close to like for like as possible. For this reason, many mainstream insurers won’t cover listed homes. PolicyCastle’s panel of insurers wants to protect specialist risks, and does cover listed homes.
What is a listed building?
A 'listed building' is a building, object or structure that has been judged to be of national importance in terms of architectural or historic interest and included on a special register, called the List of Buildings of Special Architectural or Historic Interest.
When a building is listed, it is listed in its entirety, which means that both the exterior and the inside are protected. In addition, any object or structure fixed to the building, and any object or structure within the land considered part of the property (the curtilage), are treated as part of the listed building.
Listed building control is a type of planning control, which protects buildings of special architectural or historical interest. These controls are in addition to any planning regulations which would normally apply. Listed building status can also result in the requirement for planning permission where it wouldn’t ordinarily be required.
How do I know if my property is listed?
It is important that you provide the right details about your property so that we can help you find the right cover. If you are not sure if your home is a listed building, or what grade of listing it is, then your mortgage documents may provide more information, or you can check on the websites that record listed buildings.
Grade I – for buildings of the highest significance
Grade II* - of more than special interest
Grade II – 92% of all listed buildings, of special architectural or historical interest
Category A – Buildings of national or international importance, either architectural or historic, or fine little-altered examples of some particular period, style or building type.
Category B - Buildings of regional or more than local importance, or major examples of some particular period, style or building type which may have been altered.
Category C - Buildings of local importance, lesser examples of any period, style, or building type, as originally constructed or moderately altered; and simple traditional buildings which group well with others in categories A and B.
In Northern Ireland
Grade A - Buildings of greatest importance to Northern Ireland including both outstanding architectural set-pieces and the least altered examples of each representative style, period and grouping.
Grade B+ - Buildings which might have merited grade A status but for detracting features such as an incomplete design, lower quality additions or alterations.
Grade B - Buildings of local importance and good examples of a particular period or style. A degree of alteration or imperfection of design may be acceptable.
Maintenance of listed properties
Maintenance of listed properties needs to be done to keep the special interest features intact. As with non-listed properties, catching a problem early means that it can be fixed before more serious damage is caused.
Want to learn more?
If you would like further information regarding the PolicyCastle listed home insurance, please fill in your details below and a member of our team will be in contact.
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