We Provide Specialist Insurance And Risk Management Advice For Listed Buildings And Estates.
Our team is intimately involved with historic houses, farms and estates and we are committed to their preservation.
The challenge of preserving historic houses is ever increasing, and this, combined with the economic need for diversification, means that the owners’ listed building home insurance needs become ever more complex.
We can advise on what to insure and how, from buildings and collections to farm equipment, adventure playgrounds, education and events.
As corporate members of Historic Houses, we have spoken regularly on the subjects of conservation and risk management at HH events, seminars and Regional AGMs. If you would like a quote for historic estates insurance, historic house insurance or listed building insurance, please contact us.
Contact Us Frequently Asked Questions
The proof of any insurance is its response to a claim, and we only arrange insurances that can be relied upon to pay.
We work with underwriters who understand the nature of what they are insuring, the particular risks, and how to make good in the event of a loss. For our part, we oversee all claims from start to finish, using our considerable experience and contacts to achieve the best possible claim settlements.We are proud of our ability to settle the most complex claims for fine art, especially those involving damage, restoration and subsequent loss of value. We are equally well equipped to help in the aftermath of a fire or flood, from arranging appropriate disaster recovery, to negotiating the right form of settlement. The majority of claims are, however, straightforward, and we aim to settle quickly and cleanly.
Do I need specialist listed building insurance?
You do not need a specialist policy per se, but you do need a specialist insurer who understands the unique risks and requirements associated with such properties and can offer support in the event of a claim. Specialist insurers also provide extensive risk management advice. Our high net worth policies can accommodate listings of all gradings.
If you own a listed building in England, Wales, Scotland or Northern Ireland, it's crucial to understand the unique requirements associated with these special properties. Listed buildings are considered historically or architecturally significant and are protected by law. This means that claims involving the building can be more complex and certainly require specialist knowledge. The insurers we work with would appoint a loss adjuster familiar with listed buildings in the event of a claim. Insurers who specialist in high net worth and listed building insurance tailor their policies to address the unique risks and requirements associated with such properties, which may not be adequately covered by standard home insurance policies.
What cover is provided by polices which provide listed buildings insurance?
Building insurance cover typically provides coverage for a range of risks, including damage to the structure, fixtures and fittings of the building, as well as contents within the building. It may also include coverage for additional costs associated with rebuilding or repairing a listed building to its original state in the event of damage or destruction. Some policies may also provide coverage for legal fees, temporary accommodation and other related expenses.
Due to the complexity of listed buildings and the specialist materials required, the cost to repair a listed building is far greater than a standard property. Therefore, a specialist insurer may offer to survey a listed property to determine the correct rebuilding figure and sometimes offer ‘extended replacement cost’ if they do this, which is effectively an unlimited buildings sum insured. Grade 1 buildings are excluded from this however.
What materials are covered under listed building house insurance?
Heritage building materials like hand made bricks are often difficult to source and specialist insurers are better able to do so. Listed building insurance typically covers the cost of repairing or replacing traditional or historic building materials, such as lime mortar, thatched roofs, leaded windows and other original features of the building.
Will my listed building policy cover alterations, renovations or additions?
If you are planning to make alterations, renovations, or additions to a listed building – or even if your property is in a conservation area - you may need to obtain permission from the local planning authority. You should also contact your broker or insurer to check that your insurance policy will remain in force whilst the works are happening. It's also important to keep your insurance policy updated and review it regularly to ensure that it continues to provide adequate coverage, as the value of your listed building may change over time and especially after alterations. Hallett Independent can help you throughout your ownership of the property or estate.