UK Landlords Insurance for Listed Buildings

Do Landlords of Listed Buildings Need Specialist Insurance?

When a standard modern building needs a repair, it is simple enough to call the repairer and book a visit. When that property is a listed building, all repairs must be made within the original, protected plans for the house. This means matching the materials the house is built from, even if those materials are no longer in use today. All this is costly for the landlord who owns the property. A standard insurance policy might not cover the extras and could even charge you more in future premiums as a result.

What does “Listed Building” Status Mean?

The English government protect landmarks, remarkable buildings, and ancient structures, using a grading system. Any building that falls into the grading system is on their list and is therefore listed. There are three grades – Grade I, Grade II, and Grade II*. Grade I are the oldest and most important. Grade II are the most common, and Grade II* covers remarkable structures that it is in the national interest to protect.

If you are a landlord of a listed building, it is most likely that your property is a Grade II.

Is it more expensive to insure a listed building?

Landlords can pay more in insurance premiums but it depends on the building. Factors such as where it is and what materials the builders used to build it will impact the price you pay for your policy. However, if you do not apply for the specialist landlord of listed building insurance, you may soon find that the cost of any repairs could bankrupt you. Things like new roofing, replacing windows or doors, and even replacing carpets and wallpaper can all cost significantly more than with a modern building.

Don’t worry. You can buy tailored landlord insurance for your listed property right here with Falcon Insurance. We have knowledgeable staff on hand to help you, and an insurance package that caters exactly to your niche as a landlord.

Other Types of Landlords Insurance You May Need

If our listed building insurance does not meet your needs as a landlord, we can advise that you browse our other expert insurance policies for landlords. Using our website, you can brose the following landlords insurance specialist packages:

• Landlord insurance for student lets can help those who rent out their property to international or national students
• DSS and benefits assisted insurance can aid in renting to tenants who are out of work
• Liability insurance, should you wish to protect yourself from public trips and falls in your property

Where to Buy Landlords Insurance for Listed Buildings in England?

To buy landlords insurance in the UK, simply apply online or call our Birmingham-based insurance company. Call 0121 679 7265 today to speak to our trusted advisors. You can also get a quick quote online that meets your business, charity, or property insurance needs.