Listed Building Insurance

A listed building is one that has been placed on the National Heritage List for England due to its architectural or historic interest.

Buildings of exceptional interest, such as Grade I listed buildings in the UK, are of the highest significance. These buildings are legally protected from being demolished, extended, or altered without special permission from the local planning authority due to their historic interest. The preservation of these buildings is crucial for celebrating legacy architecture and protecting it for future generations.

Additionally, owning and maintaining a listed building involves specific regulations and responsibilities to preserve its historical interest.

Yes, insuring a listed building typically costs more than insuring a non-listed property due to the higher costs associated with repairs, restorations, and the traditional materials and methods used.

To reduce the cost of listed building insurance, you can increase your excess, improve the property’s security, and carry out regular maintenance to prevent issues. Additionally, some insurers may offer discounts for listed buildings that are well-maintained or have undergone recent renovations.
Get in touch with us, and we can help you find a policy that meets your cover requirements.

Yes, it is possible to renovate a listed building, but you will need to obtain listed building consent from your local planning authority before making any alterations, as these must be in keeping with the building’s historical character and architectural significance.

Yes, as the owner or resident of a listed building, you are legally required to maintain it and ensure that it does not fall into disrepair. Together with the local planning authority (LPA), the owner must play a part in ensuring the property’s protection whilst keeping it in use. Failure to do so can result in enforcement action from the local authority.

When buying a listed building you should consider the higher insurance costs and requirements, the need for specialist cover, the requirement to use traditional materials and methods for repairs, and the potential for increased premiums due to the building’s age and construction. Additionally, ensure the policy covers legal obligations to maintain the property’s historical integrity.

You should be aware that ‘off the shelf’ policies usually won’t be right for your property, and working with a broker, particularly on that specialises in listed property, will ensure your cover is up to scratch.

Yes – in a Grade II listed building, a new kitchen may, theoretically, be installed. However, you’ll need Listed Buildings Consent and cannot remove or destroy any period features.

Your local authority will need to grant you Listed Building Consent before you can start any work on your listed property, such as replacing doors. This is because all listed buildings are protected by the Planning Act 1990 for Listed Buildings and Conservation Areas.

Grade II listed buildings are classed as buildings of special interest. Because of this, any alterations to its features, such as changes to the gardens, will require written consent from your local authority. This consent ensures any architectural, historical, or other significant feature of the property will be maintained.

Because of the historical importance of listed buildings, no alterations, demolitions, or changes can be made without first gaining local authority consent. Failure to do so is a criminal offence that can result in large fines, and in some cases, also a jail sentence.