Listed Property Insurance

There are 3 grades for a listed property in the UK: Grade I – buildings of exceptional interest, Grade II* – particularly important buildings of more than special interest , Grade II – buildings that are of special interest, warranting every effort to preserve them.

There are around 500,000 listed building in the UK. A building becomes listed once it is added to the Statutory List of Buildings of Special Architectural or Historic Interest. It means that the building cannot be demolished, altered or extended without expressed permission from the Local Planning Authority. They will often be made using non-standard or ‘traditional’ methods and materials or require specialist workmen at the request of the LPA. This in turn may make sourcing workmen or materials more timely and/or expensive.

You can choose an excess from £100 to £550. If you go for the higher amount, this will reduce your premium. Certain types of constructions have a higher excess - such as flat-roofed properties. For more information speak to one of our sales advisers on 0345 266 8552.

This depends on your circumstances and the type of property you want to insure. The quickest way to find out is to speak to one of our advisers on 0345 266 8552.

Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease. Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries, please don't hesitate to contact the customer services team on 0344 736 0088.

Policies will vary depending on things like location, the rebuild cost of your property, and the value of your contents - go online for a quote or give us a call to chat through the details.

You must take all reasonable steps to prevent accidents, loss or damage and must maintain the property insured in sound condition and good repair. If you have a flat roof, a professional builder or roofer will need to visit your property every eight years to inspect it and any necessary repairs should be carried out.

Yes. As long as there is forcible entrance into or exit out of your property, you will be covered.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

You can pay by credit card or monthly Direct Debit.

Every property owner should have property owners’ liability. Should a guest or any third party injury themselves on your property, POL can pay out should a compensation claim be brought against you. You may be liable because the property owner is responsible for maintaining the premises.

Limits usually are offered at £1 million, £2 million or £5 million. Generally, it would be unlikely that a listed home would suffer a POL case for more than £1 million but depending on the location or use of the property you might consider more.

A great way to understand the difference between your ‘contents’ and your ‘building’ would be to (hypothetically) tip your house the wrong way up. Anything that would fall is considered contents. This would mean furniture and decorations are contents but the walls, ceiling and kitchen cabinets come under buildings insurance. Don’t forget the small things too – it can be surprising how quickly things add up if you really had to replace everything in your home.

Make sure you understand the level of cover you are agreeing to and importantly which valuable items may not be covered your contents insurance. Items of high value and or personal items such as phones may not be included. You may then want to consider high-net worth insurance or separately insuring specific items.

• Accidental damage cover– This is not offered as standard. You must make it clear early on that you want to be covered for accidental damage. Accidental damage is considered damage to property not classed under another insurable peril. E.g. Foot through the loft or nail through a pipe.

• Legal cover – This is help with legal fees if legal action is taken out against you. Legal cover is not usually found as a standard policy feature but can be requested as an optional add on to your policy. As with all optional extras they are not deemed essential or legal requirements, an adviser can discuss with you the costs and levels you might be interested in.

Whether you have your insurance with Towergate or any other specialist insurer, always be confident you understand the features and exclusions of your policy. Especially when you are insuring something as dear (and expensive) as your home.

• Unoccupied - Unoccupied properties are much more susceptible to break-ins, petty crime, squatting etc. This being so for instance, our insurance will not cover a property that remains unoccupied or unfurnished for more than 60 days. Your listed building may need major refurbishments that require you to leave or you may have a second home in another location. Whatever the reason, we can easily convert your policy to an unoccupied listed property policy should this be the case.

• The cost of normal maintenance work – Normal wear and tear, maintenance work, refurbishments and decorations are not insured on our policy (please see the policy document for details). Listed buildings however have a higher likelihood of issues such as damp, drainage and decay due to the age and may need more maintenance than a modern property so it is important to keep on top of these things. There are many things you can do such as; Looking out for any signs of damp patches and checking bricks for erosion, having your roof inspected to check for broken tiles which may need repairing and regularly clearing guttering of leaves and debris.

• Raise the voluntary excess – The higher the excess, the lower the premium. This is because the larger percentage of each claim you agree to pay yourself the less risk the insurer has to take and the less they can charge to cover their share.

• Add additional security measures - In certain high risk areas, or with higher levels of valuable contents to insure you may be required to meet certain security measures. Your adviser will be able to discuss this with you. With or without these requirements you can often get a discount by installing higher levels of security including specific locks and intruder alarms. Be sure to speak to your adviser if you would like to know more about these options.

• Change of use - Don’t forget that your insurer also needs to know if you change the use of your property. Will you be renting out your property to tenants as a short term letting/holiday home? Or do you yourself use this property as a holiday home? We can update your policy to cover you for these circumstances as they change.