Listed Buildings Insurance

You can search your postcode in the National Heritage List for England to see the locations of listed buildings.

A listing will cover the whole of the building including the interior and exterior unless specific parts have been intentionally excluded.

Any changes to a listed building must follow strict regulations to make sure the building and its historic features are protected.

It is recommended that tenants make no major modifications to the interior or exterior of the building. Any proposed changes must be approved by the landlord, who may need to consult the heritage authorities. Make sure you are clear of these rules in your tenancy agreement.

Yes, future works on a listed building can affect your landlord insurance. Inform your insurance provider of planned work before it starts to comply with your policy and remain covered. CIA is an independent broker with a personal approach. You can chat with us on the phone about any planned work – we don’t use chat bots.

Since listed buildings are older, there’s more risk of things going wrong and repair costs are higher. This higher risk increases the chances of making a claim, so insurance companies would have to pay out more.

Older properties can be complex to fix. Unique features of listed buildings such as sash windows are also costly to repair, due to the rare materials and specialist tradespeople needed.

A landlord’s responsibilities for a listed building are the same as a modern building. Landlords should ensure that the interior, exterior and surrounding areas of the building are well kept.

Because a listed building needs to preserve its original appearance, the landlord should be clear in the tenancy agreement about making changes to the property.

Yes, a listed building can become delisted although this is rare. There must be strong evidence showing that the building no longer has national importance and a formal review with the heritage authorities is required.