Listed House Insurance

A listed house is a piece of national heritage. So it deserves special protection. Whoever owns a listed house at present doesn’t matter, it‘s to be protected from a possible natural calamity or a manmade disaster. Insurance coverage is one of the steps to protect it.

Obviously, a listed building is an old installation. It may still be in a good condition, but in many cases the situation is quite different. The owner of a listed property is responsible for keeping the building in good shape. Moreover, he has to take out an insurance policy for adequate coverage.

In case an owner under-insures his building, he might have to face legal action. English Heritage law demands a rebuild of a listed house even after 60% of it is damaged. Hence, the listed house insurance policy has to cover all the expenditure for such a rebuild.

Before getting your listed house insured, you should get evaluated the actual cost of material and technique of construction by an expert. And then you get the policy against the real value of the property. If your house has a thatched roof, a special clause may be required to be added.

Finally, it can be said that a trust worthy insurance company should be chosen for the purpose.