Insuring Your Listed Building
Listed building insurance protects properties in the UK that have special historical or architectural significance or interest. Listed buildings are graded i, ii, & ii* in England and Wales and categorised A to C in Scotland.
Listed properties generally have higher rebuild costs than standard houses to maintain their historic features, because the materials and methods used to construct them are now considered specialist.
Intelligent Insurance provide specialist home insurance cover tailored for your listed building*.
- Immediate online quote in most cases
- Listed building insurance for Grade 1, 2 or 2* in England and Wales
- Listed building insurance for Category A, B and C properties in Scotland
- Policies underwritten by a panel of UK insurers
Frequently Asked Questions
Listed buildings are generally much older than standard homes, and are considered a higher risk by insurers.
If you suffer a loss to your listed property, you will be required by law to reinstate it using traditional materials to match the original. The costs associated with this are often significantly higher than the costs of repairing or reinstating standard homes. It is therefore important that you are adequately covered by an insurer that understands the implications of this and will cover the full cost.
Most standard insurance providers do not provide cover for listed properties.
The Historic Buildings and Monuments Commission lists buildings in England and Wales under three grades::
Grade I: buildings of exceptional interest.
Grade II*: particularly important buildings of more than special interest.
Grade II: buildings that are of special interest.
In Scotland, buildings are assigned one of three categories:
Category A
Buildings of national or international importance, either architectural or historic, or fine little altered examples of some particular period or style.
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.
Yes, if you have obtained the appropriate permissions and expert advice. Listed building consent is required for all demolition, alteration or extension which affect the special architectural or historic character of a listed building or a curtilage listed building.
Some projects will also require planning permission and building regulation approval as well as listed building consent.
An Intelligent approach to Listed building insurance
Intelligent Insurance approaches listed building cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.
This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.
We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.
What we provide
What isn't included?
- Caused by wear, tear or gradual deterioration
- That occurred before the policy started
- Caused by vermin, insects, pets
- Caused by dishonest, wilful or deliberate acts
- Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
- you are only covered up to the maximum claims limits shown on your schedule
- you are responsible for any excesses stated in your policy
- any exclusions or restrictions shown by endorsement in your schedule
Looking for extra protection? Upgrade your cover
-
Family Legal Protection Plus
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Optional -
Home Emergency Plus
Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation
Optional -
Accidental Damage
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
Optional
Still have questions? Visit our help centre
Your Property Our Expertise
Intelligent Insurance have been providing specialist listed building home insurance for over 10 years and are one of only a handful of providers that offer a 5 Star Defaqto Rated buildings and contents insurance policy.
- Buildings & contents insurance rated 5 Star by Defaqto
- Rated Excellent on Trustpilot
- Basic home emergency and legal cover included
Get an online quote for your listed building, tailored to your needs
For help with your quote, use our online chat to speak with a member of our team
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
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