How listed house insurance covers important repairs for listed buildings

Find out about the importance of a specialist insurance policy for those living in a listed building. These beautiful homes are a part of our history and need to be protected so that they can be enjoyed for years to come, but repairs and restoration can be incredibly expensive.

Any listed building is an important part of our history – the reason that they have become listed is so that they can be maintained and protected from damage so that they can continue to be a part of our history and enjoyed by generations to come. In England alone there are over 350,000 listed buildings, many of which are people’s homes. There are certain criteria that needs to be met to justify listing a building, but generally it is safe to say that if a building is from before 1700 and the mid 1800’s and the original structure is still in place then there is a very good chance that it is listed.

These building and homes are protected, and this means that you cannot make any changes to them without permission. In addition, if anything happens to the building through damage then it is up to the owner to restore it, and this will clearly be very expensive as it is likely that special materials would need to be used on aspects such as hardwood floors, stained glass windows and more. Therefore, if you live in a listed home then listed house insurance is a must, and this will cover the cost of expensive materials and type of work to be done, something that a regular home insurance policy would not cover.

The advantages in living in such a place are clear and you are sure to have fallen in love with the home, but you need to insure that you are properly protected through having a sufficient policy.

Flood insurance is essential for homes at risk of flooding

One in six properties in England and Wales are at risk of flooding, which equates to around 5.5 million households. Flooding can cause enormous damage to homes and wreck lives, so it's worth seeking out specialist insurers who can help protect you and your family in case of floods.

Any home owner that lives near the sea or by a large river will be aware of the risk that flooding poses to their home, which is something that needs to be seriously considered when you decide to live in such a place. It is fantastic living near the sea or a river, and it is quite likely that it was a large reason in why you opted for that particular location, but at the same time flooding can cause chaos to these homes and you need to do all that you can to protect yourself and your family in the event that it happens. A staggering 5.5 million homes are at risk of flooding around the UK – you can check if your home is one of these by visiting the Environment Agency website.

If your home is one of those at risk then you can take measures to protect yourself through flood insurance. This insurance policy will cover any damages that may occur if a flood ever reaches your property. In the case of flooding it is always better to be safe than sorry, so take the necessary steps today by getting in touch with insurers who can assess the risk to your home and help you to feel safe. These specialist insurers will work with you to find the right policy for your home and can even suggest ways in which you can protect your home from flooding.