We are aware that finding insurance for properties of local or historical importance can be difficult as they often have unusual construction, greater insurance limits and require special construction, labour skills and materials should the worst happen.
So if your home can be found on the English Heritage Register of Listed Buildings, we can help with finding the specialist insurer you need.
Whether your home is Grade 1, 2* or 2 listed or Grade A, B or C in Scotland, please feel free to call our experience staff who can discuss your insurance requirements and provide you with a cost effective insurance solution.
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There are three grades of listed building in England and Wales:
- Grade I – Buildings of exceptional interest such as very fine country houses, important or old churches.
- Grade II* – Particularly important buildings of more than special interest such as most country houses, important churches or very old secular buildings.
- Grade II – These are buildings of special interest, which warrant every effort being made to preserve them. 96% of listed buildings are Grade II.
There are three grades of listed building 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 type.
- 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.
There are three grades of listed building in Scotland:
- Grade A – Buildings of national or international importance, either architectural or historic, or fine little-altered examples of some particular period, style or building type.
- Grade 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.
- Grade 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.
If your home was built before 1700s, or is at least 30 years old, it may be listed. Thankfully, it is easy to discover by searching the listed building database. This online tool can confirm if your home is listed, and under what grade.
Listed homes are usually categorized 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.