What is grade 2 listed building insurance?
Grade 2 Listed Buildings are the most common listed buildings in the UK. They are noted to have significant historical interest. They have been added to a preservation list to make sure they are still around for future generations to enjoy. That is why finding suitable grade 2 listed building insurance for them is so important.
Do you pay more for grade 2 listed house insurance?
It may be easy to assume that buying specialist insurance means a more expensive price. However, this isn’t the case with CoverBuilder. We work with insurance underwriters who are specialists in covering listed properties. This means you are fully protected with our listed building insurance. The purpose of a specialist policy is to make sure you have an insurer who understands a listed property. When it comes to claiming, you want to make sure your property is repaired correctly using the right materials.
CoverBuilder offers cover for
- Grade I – Buildings of exceptional interest. Applies to only 2.5% of listings, few of which are homes.
- Grade II* – Particularly important buildings of more than special interest. Makes up around 5.5% of listed buildings.
- Grade II – Buildings of special interest and the vast majority of listings.
More information about Grade 2 homes
Properties are given a listed status to mark their importance in historical and architectural interests. The listed status protects them from damage and also inappropriate alterations by their owners that may detract from their special interest.
Grade 2 – do’s and don’ts
Owners who potentially do not respect the listed status can be ordered by the local authority to repair/change/restore the property to its listed status design. Your local authority can serve a ‘repairs notice’ under Section 115 of the Town and Country Planning Act 1971. If you don’t comply, it can make a compulsory purchase order.
According to English Heritage, “The older a building is, the more likely it is to be listed.” It goes on to state that all buildings – in anything like their original condition – built before 1700 are listed, as are most of those constructed between 1700 and 1840. To be eligible, a building usually has to be over 30 years old.
How Do I Find Out if My Home is Listed?
You can look at the listings in your local area at your local authority planning department. The local county council offices and reference library will also help. Alternatively, you can search Historic England for their online list fo listed properties. Alternatively, you can search via the website British Listed Buildings.
Protecting your building
Specialist grade 2 listed insurance doesn’t necessarily mean higher prices. Some insurers simply won’t want to cover anything other than standard properties. Therefore providers who don’t necessarily have to charge higher premiums because it’s a listed building. When using comparison websites it’s important you check the policy wording to make sure your specific home is covered.