Insurance for listed homes
Listed homes need specialist understanding. We arrange insurance that reflects the character, construction and particular requirements of listed and heritage properties.
At Lumley, we specialise in arranging insurance for homes that need a more considered approach. For listed and heritage properties, that means taking into account their age and construction, original architectural features, specialist materials, and the conservation requirements that may apply when repairs are needed.
Where helpful, we can also visit you at home, giving us the opportunity to understand the property and its individual features first-hand. The better we understand your home, the better placed we are to arrange cover that reflects its particular requirements, so you can be confident you’re properly insured.
A considered approach to your home and contents insurance
No two homes, or the people who live in them, are quite the same. We take the time to understand your property, your possessions and the way you live, so we can arrange insurance that properly reflects what you need.
As an independent broker, we have access to an extensive panel of specialist insurers, alongside strong relationships with underwriters, surveyors, valuers, security experts and other advisers. So when specialist advice is needed, we know who to involve, whether that’s speaking directly with an underwriter, arranging a professional valuation or bringing in expertise to help manage a particular risk.
Throughout, you’ll have a dedicated point of contact who gets to know you and your property. It’s all part of making sure your insurance is considered properly from the outset, rather than simply arranging a policy.
Getting the rebuild value right
Rebuild values need particular care when it comes to listed homes. Specialist materials, traditional craftsmanship and conservation requirements can make them more complex to assess, and an inaccurate figure can leave you underinsured.
We know what to look for and, when a specialist assessment is needed, we know who to ask. Through our relationships with surveyors and valuers experienced in listed and heritage properties, we can help make sure your rebuild value properly reflects your home and what it could take to restore it.
Here when you need to make a claim
It’s when you need to make a claim that your insurance really matters. Because we already understand your cover, your property and how it’s insured, we can focus straight away on helping make the claim as quick and painless as possible.
Our dedicated Claims team will manage the detail and stay closely involved throughout, with a personal point of contact so you always know who you’re speaking to. And through our long-standing relationships with insurers, loss adjusters and specialist advisers, we can work closely with everyone involved to help keep your claim moving in the right direction.
FAQs
Listed properties can come with extra complications – here are some of the questions we are frequently asked around insurance for heritage homes.
Do listed buildings need specialist insurance?
Listed buildings can have more complex insurance requirements than modern homes, particularly when it comes to repairs and reinstatement. Conservation requirements, specialist materials and traditional craftsmanship can all affect what is involved following a claim. A specialist policy can take these factors into account and provide cover appropriate to the property.
Can you arrange insurance for Grade I, Grade II* and Grade II listed buildings?
We can arrange insurance for a wide range of listed and heritage properties. Every home is considered individually, so we’ll take the time to understand the property, its construction and your requirements before approaching the most appropriate specialist insurers.
How do I know if the rebuild value of my listed home is correct?
Rebuild values can be more complex to establish for listed properties because specialist materials, traditional craftsmanship and conservation requirements may need to be considered. We can review the information you have and, where a professional assessment would be beneficial, introduce surveyors and valuers experienced in listed and heritage properties.
Can you insure the contents and valuables in my listed home too?
Yes. We can arrange cover for your home alongside its contents, including fine art, antiques, jewellery, watches and collections. We’ll look at the overall picture and help make sure your possessions are appropriately valued and insured.
Do I need to tell you if I’m renovating or making changes to my listed home?
Yes, you should speak to us before any work begins. Renovations, extensions and other building works can affect your existing insurance, and, for larger projects, specialist renovation cover may be needed. Talking to us early means we can review your plans and make sure the right insurance is in place from the outset.
Can you insure a listed property I’m in the process of buying?
Yes. It’s worth speaking to us before you complete on your new property so we have time to understand the home and arrange appropriate cover. Where the property has more complex features or additional insurance requirements, we will speak directly with specialist underwriters and involve other experts where needed.
