Heritage Home Insurance
The upkeep and running costs of your heritage home can be considerable. That’s why a good proportion of historic houses are both a family home and a commercial business.
If your home is of architectural or historical interest and it is used for any business purposes - such as open days where members of the public visit, concerts and functions – then it could be that your existing household insurance policy is not adequate for your needs. This applies whether your house is listed or not.
In the unfortunate event of loss, you could find you are not suitably covered and might have to foot the bill yourself for any damage caused to your property. You could even find that you are uninsured for the theft from your home of an antique or other valued item. Even worse, you might find yourself liable for a personal injury claim.
Protection for Historic Homes
As sponsors of Invitation to View, we have a wealth of experience in arranging insurance protection for historic homes and listed buildings. We are passionate about the finer details – precisely the kind of attention to detail you require for your heritage home insurance. The specialist insurers we work with will go to great lengths to source the correct tradesman using the correct materials, ensuring the unique features of your home are repaired perfectly.
In addition to heritage home insurance, we also offer a full range of risk management and health and safety services. We can provide you with specific advice on the steps you need to take if you are opening your home to the public or using it for any other business activity.
Specialist insurance cover for special buildings
Our heritage insurance scheme has many features and benefits. Here are just some of them:
- Free buildings insurance valuation giving you peace of mind that your cover reflects the full cost of rebuilding your home
- Bespoke antiques and fine art cover arranged on an “agreed value” basis so you know the insurer will pay the true value of your unique items in the event of a loss.
- Defective Title Cover up to £500,000 – This provides you with protection in the event that someone sells you an antique or artwork when they are not the rightful owner.
- Cover for theft of volunteers’ and employees’ effects.
- Archaeological costs up to £250,000 following insured damage to your property (e.g. analysis by conservation bodies of the original fabric of the building should it become exposed by damage)
- Protection for property in the open (e.g. statues, memorials and monuments) including for cover storm, flood, and theft losses.
For more information or a no-obligation heritage home or heritage business insurance quote, please contact Dan Brown at our Bury St Edmunds office on 01284 787 846 or email heritage@alanboswell.com. Alternatively, please use our simple enquiry form.