If you need insurance for a listed building, Smart Sure will work hard to find a suitable policy for you. Whether you need listed building insurance for a Category A, B, or C listed building in Scotland or a Grade I, II , or II* listed building in England or Wales, we'll do our best to find the appropriate level of cover for your property at a competitive price.
For owners of listed properties, we've created a specialised team for buildings insurance.
We have extensive experience in providing cover for listed buildings, so no matter how specialised your requirements are, we have the knowledge and expertise to help you secure a competitive quote from leading insurers.
The insurance process for historic buildings is not dissimilar to the insurance process for other commercial and residential properties although the insurers may find historic and listed buildings to pose an increased risk.
The reinstatement value of the building must be accurate and must take in to account the cost of often unique materials that may have been used in the building’s construction. Furthermore, the value should be large enough to cover the full cost of labour employed to reinstate or partially repair the building. It should also be noted that with rising inflation and the cost of building materials, the sum insured should reflect recent economical changes to ensure full cover.Start your quote
Listed properties date from the medieval period to the 1930s and are of special historic or architectural significance. Some significant modern structures are also listed. Buildings with this level of significance are added to the Statutory List of Special Architectural or Historic Interest. This can make it difficult for landlords to find cover that suits their needs, luckily however, we have a panel of insurers that provide cover for buildings as old as the 16th century.
If you are unsure whether your building is listed, you can check the National Heritage List or contact your local authority.
Property insurance for listed buildings is designed to protect your property against a wide range of perils and ensure that you will not be left out of pocket when disaster strikes. There are certain risks that come with being responsible for property’s upkeep especially if that property is listed. Property insurance through Smart Sure covers your building against fire, theft, damage and more.
You may also choose to extend your protection with business contents insurance. This covers the repair or replacement of contents within the building.
Explore the benefits of cover with Smart Sure:
A standard property insurance policy will cover the following:
Obtaining building insurance for your listed property is not a legal requirement however it provides you with security when disaster strikes. If you have taken out a mortgage out on the building, the lender may require you to have commercial buildings insurance in place as part of the agreement. Often the responsibility to take out commercial property insurance lies with the landlord however leases may insist that the tenant is responsible for taking out building insurance for the property.
Fire is a significant risk to listed buildings as many of these historic buildings are built mostly, if not solely, of timber. Timber is a highly combustible material which is why historic buildings remain extremely vulnerable compared with modern buildings due the changes in building materials and construction methods.