Insurance for listed buildings

Properties that are listed are of special historical or national importance. Properties built before 1700 are usually listed, and those built from 1700 to 1840 are likely to be listed. You can try contacting your local council or search the Historic England list to find out if your property is listed.

Any changes you want to make to a listed property, like adding an extension, must be agreed by your local council. Making changes without permission could see you fined and you may have to undo your amendments.

Listed buildings are categorised into three types:

• Grade I: a building of exceptional interest e.g. Blackpool Tower
• Grade II*: particularly important buildings of more than special interest e.g. Battersea Power Station
• Grade II: buildings that are of special interest e.g. St. Fagans, Cardiff

Living in a listed property can come with its problems and it could be your responsibility to ensure that the building remains damage free and close to its original state. 

As the owner of a listed building, you may be legally obliged to restore your property if it suffers any damage.

This might include the use of special materials that could be expensive without the right cover in place. 

You can carry out regular maintenance to reduce any risks:

• Check your gutters and pipes for blockages, leaks and cracks
• Inspect your roof for loose or broken tiles and wear and tear
• Check your walls and ceilings for signs of damp
• Examine your brickwork for problems like erosion and plant growth