Listed properties cover a wide array of building shapes and sizes and all carry an interesting story whether it is hundreds of years old or more current. Listed properties have contributed to our landscape as we know it today, and most of them have helped to provide an income for our past generations so understandably there are numerous processes which have been put in place to help protect them. Owners of listed properties take on demanding responsibilities in terms of time, finance and staying true to the buildings original design.

What is classed as a listed building? A listed building is a building, object or structure that has been judged to be of national importance in terms of architectural or historic interest.*

There are thought to be around 500,000 listed buildings in England which are categorised into the following grades depending on the importance and type of building**:

  • Grade I are of exceptional interest, 2.5% of listed buildings are Grade I
  • Grade II* are particularly important of more than special interest, 5.5% of listed buildings are Grade II*
  • Grade II are of special interest, 92% of all listed buildings are graded as this

Most owners will be aware if they own a listed property and will be aware of the regulations they need to abide by, particularly related to planning permissions should they wish to do any work to their property. To check whether your property is listed visit the Historic England website where you can search for your property and find in depth information around listed buildings.

It is important that owners of listed properties have sufficient insurance cover for their building should a disaster strike and they are required to rebuild or mend damage to their building. Owners are often required to use similar if not the same materials when carrying out building works on their listed building which can prove costly. Should they not have the right level of insurance cover they may find themselves underinsured and consequently having to foot a large chunk of the maintenance or building costs.

It is important that owners of listed properties engage with specialist teams when it comes to protecting their asset. Amongst the specialists owners should consult are building merchants, architects and surveyors who are experienced at working on listed properties. Owners should also consult specialist insurance brokers who understand the complexity of the risks which come with owning a listed building and can therefore help to arrange the suitable level of insurance.


Whilst care has been taken in the production of this article and the information contained within it has been obtained from sources that Aon UK Limited believes to be reliable, Aon UK Limited does not warrant, represent or guarantee the accuracy, adequacy, completeness or fitness for any purpose of the article or any part of it and can accept no liability for any loss incurred in any way whatsoever by any person who may rely on it. In any case any recipient shall be entirely responsible for the use to which it puts this article.
This article has been compiled using information available to us up to 03.03.16

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