Renovating Heritage Homes

We are focused on keeping heritage homes protected. Whether it’s renovation, refurbishment, or a new staircase, adjustments to your property can affect your insurance policy. These are known as “minor works”. If you’re having work done to your house or garden, you need to let us know. That way, we can amend your policy to better protect you and your home.

Download and complete our minor works questionnaire here.

Once completed, please email your questionnaire to info@lloydwhyte.com.

Listed homes are recognized for their historical, cultural, or architectural significance. Owning a listed home can be incredibly rewarding. It can offer a unique link to the past through beautiful craftsmanship, rare materials, and distinct architectural details. However, these homes require specialized care, preservation, and maintenance.

Getting accurate insurance for a heritage home is essential. At Lloyd & Whyte Heritage, we can provide tailored protection that considers the unique risks and needs of such properties.
One of the main reasons that heritage homes require specialised insurance is the cost and complexity of repairs. Unlike modern homes, these types of properties often include features that are expensive to repair or replace. Handcrafted woodwork, detailed stone masonry, or specialist and rare materials can often be difficult to source and more expensive than standard construction materials.

In the event of damage from fire, storms, theft, standard home insurance policies may fall short, as they may not cover the specialised labour or materials required to restore your home accurately. Heritage home insurance addresses these specific needs by offering policies that cover the costs of using traditional methods and materials necessary to meet preservation standards.

Additionally, heritage homes are often subject to strict regulations governing changes and repairs. Owners of heritage homes may be legally required to restore damaged elements to their original form, even if it means using costly and hard-to-source materials.
Policies tailored for heritage homes can include coverage for compliance with these regulations, ensuring that owners are not burdened with unexpected costs associated with meeting local or national heritage requirements.

Another unique risk for heritage homes is their vulnerability to certain types of damage, such as fire or water damage, due to older construction techniques or materials. Heritage home insurance often includes coverage for specialized assessments and maintenance, like inspecting aging electrical systems or maintaining older heating systems, to mitigate these risks.

Securing appropriate insurance for your property is not only about financial protection but also safeguarding the historical integrity of the property. Listed or thatched home insurance provides owners with peace of mind, knowing they can preserve the originality of their home without facing prohibitive costs.

If you are planning on having minor works done to your thatched or listed property, our complimentary downloadable questionnaire will tell us all we need to know. This will help ensure you have the appropriate insurance in place. If your coverage needs to be adjusted in any way; we’ll let you know.