How You Can Benefit From Listed House Insurance And Other Specialist Home Insurance Policies

There are thousands of homes all around the UK which need a specialist insurance policy because they are not regular homes and a normal level of cover would not give them full protection. The reasons for this vary – for example, some of these homes could be listed buildings, some may be of non-standard construction, some may be prone to subsidence or flooding and so on.

Listed buildings are an important part of our history and we want to keep them this way so that the future generations will be able to enjoy them too. These buildings may be beautiful looking homes and available to buy despite their listed status – however, anyone who does succeed in buying one should seek out a specialist insurance company who can cover the property. There are over 350,000 listed buildings listed in England – a good rule of thumb is to assume that any property built pre-1700 is listed. There are also different grades of listing which categorise buildings by how important they are and if they need an effort to preserve them. If you live in a listed building then you have to seek approval to alter the home and if it is unfortunately damaged in any way then it is up to the home owner to restore it – this might require expensive specialist materials and craft methods. Listed house insurance will cover the cost of using these materials and crafts as well as determining what the rebuilt costs would be. This type of insurance is more expensive because of the high claim costs but it is essential for anyone who lives in a listed building.

Another specialist type of insurance which is important is house insurance subsidence, and this is for home owners who live in homes with a history of or who are prone to subsidence, which is where the property sinks into the ground. This occurs because of the soil shrinking, and clay foundations are the most likely type to suffer from subsidence. This can be caused by plant life sucking the moisture from the ground or if there is no rain and lots of hot weather for a long period of time, and you can tell that subsidence is occurring when there are cracks in the wall and when doors begin to stick. It is important that you are protected from this as a home owner and you may have to seek out a specialist company who will be able to provide you with the level of cover that you need.

These are just two types of specialist insurance policies, and it is important to be aware of the property that you are purchasing and whether it is prone to certain threats and what its history is, and whilst you may have to pay more for coverage it is certainly better to be safe than sorry when it comes to insurance and particularly home insurance, as damages can be very costly and cause a lot of short and long-term problems.

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