What is a listed building?
A building is listed when it is of particular architectural, cultural or historical significance. These buildings are placed under special protection, meaning that if you own one and you want to make any changes to its structure, you will need to get planning permission first.
There are a number of different grades and categories for listed properties:
- England and Wales: Grade I, II* and II
- Scotland: Category A, B and C
- Northern Ireland: Grade A, B+, B1 and B2
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What is listed building insurance?
Listed building insurance is a specialist type of cover that takes into account the increased risk and higher repair and maintenance costs that these properties require.
As they are usually older properties, listed buildings are more likely to suffer from issues like damp and subsidence, making them a higher risk for insurers. This means that some insurance companies don’t offer home insurance for listed buildings, so you might struggle to get a quote from more mainstream providers.
Plus, when listed buildings are damaged, they generally require specialist tradespeople and traditional materials to repair them. This makes them more costly to maintain.
Types of listed building home insurance
You can choose from three different types of home insurance:
- Buildings insurance: this insures the main structure of your house and covers you for the expenses involved with rebuilding or repairing the property. It covers against a wide range of issues, including fire, earthquakes, explosions, lightning, theft, malicious damage, storms, impact damage, the escape of water or oil, falling trees, floods and subsidence.
- Contents insurance: this covers the personal belongings and possessions in your home against a wide range of hazards, including theft, loss, damage, fire, earthquakes, explosions, lightning, malicious damage, storms, damage caused by impact, the escape of water or oil, falling trees, floods and subsidence.
- Combined cover: this combines buildings and contents cover and is often more cost effective than buying the policies separately.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
What’s covered in Adrian Flux’s listed building insurance?
Listed building insurance is a specialist type of cover that takes into account the
Given that no two listed buildings are the same, we offer tailored cover to suit your property. Some of the more common specialist types of cover we offer for listed properties include:
As they are usually older properties, listed buildings are more likely to suffer from
- Cost of specialist materials and labour to help restore building to its original condition in the event the building is damaged
- Damage caused to the brickwork of the building, whether this is caused by vandalism, fire, floor, storm, or some other reason
- The costs for alternative accommodation in the event you cannot live in the building
- Home assistance and legal cover
- Accidental damage to electrical equipment, fittings, and more
- Full cover for all listed properties, including grade I, II and II*
- 24/7 claims hotline with counselling support
- Domestic Assistance Helpline with advice and contact details for tradesmen
- Discounts for alarms and security locks
- Discount when you take out buildings and contents cover together
- Easy payment by credit card or direct debit
Why choose Adrian Flux for listed building insurance?
Adrian Flux is one of the leading specialist home insurance brokers in the UK and one of just a few offering a full range of policies to owners of listed properties, with both contents and building cover available.
Because listed homes are, by their nature, a non-standard insurance risk, all our policies are designed for your individual situation. Our knowledgeable team can also help find you the best policy for your needs.
Extra Benefits
Travel Insurance
Flexible Travel Insurance
Whether you’re lounging on the beach or hitting the slopes, having the right travel insurance can mean the difference between the holiday of a lifetime and a financial headache.
Providing up to £5,000 if your trip is cancelled or cut short, up to £15million medical expenses, £250 money and document cover, £2,000 baggage cover, and £2million personal liability insurance, you’ll be fully covered, no matter what happens.
Click find out more to get more information, or speak to a member of our team today to get your quote.
Gadget Insurance
Gadget Insurance
Is there anything more annoying than your mobile phone breaking, or your laptop deciding not to turn on?
Gadgets have virtually become an extra limb in the 21st century, so why wouldn’t you protect your mobile phone, laptop, games console or tablet in the same way you would protect your home or car?
For as little as per year, you can have peace of mind that your gadgets are insured, should they be damaged, suffer a mechanical failure or stolen, wherever you are in the world and are covered up to £1,500 per claim without affecting your home insurance no claims bonus. Whatsmore there are no limits on the amount of gadgets on your policy.
Adrian Flux specialists have access to a national network of companies so you can be confident of getting a fast and efficient service, should the worst happen to your gadgets.
Home Emergency Cover
Home Emergency Cover
From leaking pipes to blocked drains, electrical failures to boiler breakdowns, if emergency strikes, having the right insurance can save you time, headaches, and money.
With home emergency insurance from Adrian Flux, you can get your home covered for a wide variety of issues, with tailored cover and flexible payment options, keeping you safe year-round without breaking the bank.
To find out more about our home emergency cover, and all of our home insurance policies, speak to a member of our team today.
Home Keycare
Home Keycare
For just a year, we can cover the costs involved with getting back inside your house, whether your keys have been stolen, locked inside your home or vehicle, or lost for 48 hours. We provide you with a fob and can cover all the keys attached to it, including those for your home, car and office.
Our keycare insurance covers the cost of replacing your keys, changing the locks, and hiring a locksmith up to a value of £1,500 per fob per year.
Better yet, there’s no excess to pay; all you have to pay is the annual charge of .
For more information and to add keycare to your policy, speak to a member of our team today.
Home Legal Protection
Home Legal Protection Insurance
There are 50,000 reasons why home legal protection cover, or family legal protection, is a smart idea.
Home legal protection cover provides peace of mind against the threat of being sued and, in the event that you have to pursue a civil claim, it will provide cover for your legal expenses, up to a certain amount.
Home legal protection provides up to £50,000 indemnity for you and the people that matter to you: the family you live with, your spouse or partner, your parents or parents-in-law, and your children under the age of 21.
There are four main areas of cover: Personal Injury, Your Home, Services & Personal Property and Employment.
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What are the different grades for listed buildings?
The three most common grades are I, II and II*. They differ in the following ways:
Grade I
Your property is of exceptional interest. This is the highest level of significance.
Grade II*
Your property is of particular importance. This means it has more significance than grade II buildings.
Grade II
Your property is of special interest. Most listed homes fall under this category.
How much is listed building insurance?
Listed buildings come in all shapes and sizes, from grade II thatched cottages to postmodern properties, so it can be difficult to say exactly how much your insurance will be. If you’d like to get an idea of how much your quote will cost, get a quote from us.
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FAQs
Is listed building insurance more expensive than standard cover?
In most cases, listed building insurance is more expensive than regular household insurance to reflect their unique nature. For one, listed buildings tend to be older, which makes them more prone to issues. In the event a listed building is damaged, specialist parts or materials and expertise from craftspeople are usually required, which can be more difficult or expensive to source.
How do I calculate the cost of rebuilding a listed property?
The best and most accurate way of calculating rebuild costs is to get a survey done by a chartered surveyor.