One of the best things about living in the UK is the profusion of older buildings. England’s rich history can be seen in the castles, palaces, manor homes and cottages that have stood, in some cases, for hundreds of years. After so much British heritage was destroyed during WWII, the government set up a special list for the protection of historical buildings. This list protects these national treasures from being destroyed or altered without permission.

However, the law has had some unintended consequences. Traditional homeowner’s insurance is often reluctant to issue policies for these historical homes. Some cite worries over the safety of the structure or the building materials used. Some fear litigation from visitors. This has caused frustration for the owners of these homes who just want to make sure their slice of their country’s rich history is fully protected.

Thus many insurance companies have branched out into offering specialized insurance for listed housing. Listed house insurance is specially formulated to cover these historical homes at reasonable prices for their owners. They take into consideration the particular needs of the house if it were to need to be rebuilt, and work with the owner on a policy both are satisfied with. If you own a listed house, ensure your company has your and your home’s best interests at heart.