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What is Listed Building and Contents Insurance?

Listed building insurance is for those who own a Grade 1, Grade 2, Grade 2* or Listed Building in England or a Grade A, B or C Listed Building in Scotland.

Properties like these are more expensive and take more time to repair than a standard property, which makes protecting the past important.

The insurance covers the cost of repairing or rebuilding the property to its original condition, as well as the cost of any damage that is caused by the repair work.

Why choose Stanhope for your listed building home and contents insurance?

Stanhope is part of Stanhope Cooper, an award-winning, family-run business based in London and Hampshire. Stanhope is a leading provider of niche and specialist insurance for the listed home insurance market. We focus on providing solutions outside the standard UK home insurance norms, including listed building and home contents insurance. 

We provide customers with a bespoke High Value Home Insurance solution that fits their unique insurance needs. Our 4.9-star expert team is dedicated to providing exceptional levels of customer service and wants all our customers to know that they have the right high-value home and contents insurance policy in place at the right price for their specific set of circumstances.

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Our listed home and contents policies can include:

  • Multiple UK-based homes on the exact listed building home and contents insurance policy.
  • Worldwide all risks cover – your home’s contents and valuables are covered worldwide, including high value items, jewellery and art on our high value listed policies.
  • Accidental damage & loss cover for buildings and contents.
  • Unlimited trace and access cover included.
  • Home Emergency covers up to £2,000 with VAT for urgent property maintenance issues that require immediate action.
  • Up to £150,000 of Legal Expenses.
  • Interlinked smoke detectors are acceptable for rebuild values up to £5mil.
  • Family Protection cover of up to £50,000.
  • Extended replacement coverage is standard on some policies.
  • Warranty-Free – if you don’t have window locks on all windows, you will still be insured.
  • Rebuild Appraisals included for higher end listed properties at no extra cost. But if not, our trusted partners, Rebuild Cost Assessment, can assess your buildings at a discounted cost.
  • Claims service included – as your broker, we will negotiate any claim on your behalf with the insurance company.
  • Up to 5 years alternative accommodation cover should the worst happen.
  • Interest-free 0% direct debit automated payments or buy now and pay on invoice if exchanging on a new purchase.

How to choose the most suitable insurer for your listed building

There is an overwhelming number of insurance providers for listed building and home content’s insurance. Stanhope’s insurance brokers can make this process easy for you by using our expert industry knowledge to advise you on the most suitable insurance provider for your high-value property and contents. 

We have access to the leading home insurance products in the UK that are in most cases not available directly with an insurance company, allowing you to keep your listed building and home insurance costs down. At Stanhope, we know the history and the philosophy of each of our trusted insurance partners and, therefore, we know which insurers are the most suitable for your property.

Above all else, we focus on their longevity, price consistency, and insurer’s claims service to give you a complete peace of mind when it comes to insuring your home.

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Alternatively, please contact an insurance advisor on 01730 777 600.

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Listed Building FAQs

Why do listed buildings require specialist insurance?

A General insurer will provide cover on a one-size-fits-all approach for a property that is built from standard building materials. It will not take into account the additional costs associated with a listed building. It will often not provide sufficient alternative accommodation cover to consider the extended time it can take to repair a listed building. Stanhope can arrange a bespoke solution for your listed building.

Why choose Stanhope for your listed building insurance?

Stanhope is part of Stanhope Cooper, an award-winning, family-run business, based in London and Hampshire. Stanhope is a leading provider of niche and specialist insurance to the UK home insurance market, voted as High Net Worth Insurance Broker of the Year 2018 at the UK Broker Awards (Insurance Age). We focus on providing solutions that fit outside the standard UK home insurance norms, including high value home and home contents insurance. 

We provide customers with a bespoke listed building insurance solution that fits their unique insurance needs. Our expert team is dedicated to providing exceptional levels of customer service and want all our customers to know that they have the right high value home and contents insurance policy in place at the right price, for their specific set of circumstances.

How do I find out if a property is listed?

You can find out if a property is listed by looking at The National Heritage List for England (NHLE), which contains details of all listed buildings in England.

Buildings classified as Grade II must be renovated and maintained according to the law to ensure that they are not damaged, destroyed, or modernised.

What is the criteria for listing a building?

The general principle is that all buildings built before 1700 that survived in anything like their original condition are likely to be listed, as are most buildings built between 1700 and 1850. Particularly careful selection is required for buildings from the period after 1945

Can a listed building be demolished?

Potentially but you can carry work out at the property. It is a criminal offence to carry out works to a designated historic building without consent when it is needed. Listed buildings are to be enjoyed and used, like any other building. Listed buildings can be altered, extended and sometimes even demolished within government planning guidance. The local authority uses listed building consent to make decisions that balance the site’s historic significance against other issues, such as its function, condition or viability. Read our guide on Grade 2 Listed buildings to find out what you can and can’t do with the building.

What is the process for getting Historic England to assess my property?

You can apply for a listing here – https://historicengland.org.uk/listing/apply-for-listing/ and begin the process.

Can I apply to have my house listed?

Yes you can apply for a listing here – https://historicengland.org.uk/listing/apply-for-listing/

Protecting the Past: Understanding Listed Building Insurance

Listed buildings hold a special place in our cultural heritage, representing architectural and historical significance that deserves protection