Heritage properties can be considered difficult to insure, especially if the property is over 200 years old. This is due to the fact that when older properties were built, the building regulations were very different or even non-existent.
However, here at Barraclough & Partners, we understand the specialist requirements needed to protect your home and can arrange insurance whatever the period of your property.
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Heritage and listed homes are usually categorised because they are of special importance to the UK. If they are architecturally of special interest or are nationally important then you cannot live in the property as you would in a normal home. Your insurance must protect the building and maintain its original features. It is for this reason that it can be difficult to find the correct level of insurance.
Your home buildings insurance premium is affected by a large number of factors including the rebuild cost of your home. This is generally higher for a heritage home, even if it is constructed from the ‘standard’ building materials of brick or stone and roofed with slates or tiles, because the particular types of these tend to be rarer and more expensive to buy. In addition, rebuilding or even repairing a heritage home usually requires craftsmen with very specialist skills which are more costly than standard trades.