The term stately home can mean different things to different people. In general, however, it means a ‘grand’ property that has a ‘stately’ appearance. For example, country homes, historic properties and listed buildings are often described as stately homes. One critical thing that these properties needs is stately home insurance.
Charities such as English Heritage own many of our stately homes, as do local authorities (who use them as offices). Others are now hotels. However, some are still privately owned. Owning a stately home means owning something that is unique; a part of our history, which is wonderful.
What is perhaps not so wonderful is how much it can cost to maintain a stately home. As with the home itself, how much it costs to maintain will be different. Conservative estimates, however, suggest it could be around 2% of the property’s value each year. And this is without anything major going wrong, which is where Stately Home insurance comes in. Because, without it, things could get very expensive indeed for homeowners.
Stately Home insurance cover
Owners of stately homes will need specialist insurance cover. For example, most stately homes are older buildings and might need repairing using traditional building methods. If the building is Grade-Listed, then it will certainly need specialist care. As a result, it’s important insurance policies include repairs. Insurance should also include the physical ‘bricks and mortar’ building, land and contents. If the building is open to the public, this needs to be taken into account too. For example, owners will need employer’s liability insurance if they employ staff.
Buying Stately Home insurance
With so much to consider, it’s important to get specialist advice. Which is why you should speak to an independent insurance broker such as Just Quote Me, who can find you the best policy for the best price. Contact them today on 0800 084 2325 for a free, no-obligation, stately home insurance quote.
Every stately home across the UK is unique. Its individual characteristics are what make it so special and if you manage or own a stately home, you’ll be aware of the many costs and financial considerations involved. The beauty of such a property and owning one is a real privilege, but it doesn’t come without difficulties. The unique and special nature of stately properties means very specific and tailored stately home insurance is a must. Many insurance companies simply won’t cover this kind of property, whereas others have dedicated heritage and historic buildings teams who specialise in exactly that.
What is a Stately Home?
This question can be a tricky one to answer. The term “country house” and “stately home” are often used interchangeably. Historians in particular are wary of using such terms. However, some country houses have an appearance which is designed to blend in with the surroundings. Others have a grand and “stately” appearance giving meaning to this title. Almost all country homes, listed buildings and historic properties need specialist insurance of some kind.
Stately homes often have special considerations to keep in mind when it comes to repairs. Specialist insurers understand this and will be able to work with you and approved surveyors where necessary, to ensure any repair work or fixing damage is done to the specifications provided in any listing documentation or similar. Traditional building methods may be necessary to ensure the heritage of the property, for example.
What does Stately Home Insurance Cover?
Stately home insurance mostly pertains to the building and outbuildings that make up your property. Insurers will look at the risks and costs involved in repairs due to said risks. Stately home insurance usually covers your buildings, land and contents, including specialist features of your property.
If your stately home is also a business and you use it in this context, you will also need additional insurance in place. If you have operations that are open to the public, you will need additional liability insurances. What’s more, if your property is used for fishing, shooting or similar activities, you can get cover for this too.
Compare Stately Home Insurance with Just Quote Me
Stately home insurance is a very specialist type of cover. With this in mind it makes sense to work with people who have experience in this field to find the best quotes for your property. At Just Quote Me we specialise in helping people find and compare quotes suitable for their home or business.
Explore Stately Home Insurance Quotes Online:
Visit our online Quote System or call us for FREE on 0800 084 2325
If you’re the owner of a stately home, either as your private residence or for business purposes, then you’ll know just how special it is. Whether it’s a listed building or not, your stately home will require a special kind of insurance. All properties of this nature are unique and so each stately home insurance policy is unique too.
Specialist heritage insurance professionals look to provide state home insurance to suit properties of all types. An insurance policy will need to be designed for your specific requirements. At Just Quote Me we deal with property owners of all backgrounds with a wide range of different properties. Owning a stately home comes with many challenges and ensuring your insurance policy is sound shouldn’t be one.
Bespoke Stately Home Insurance
Your stately home needs unique cover to suit its particular background, history, estate and any additional elements. Some stately homes may have paddocks and additional out buildings for example, whereas others may not. Some may have thatched cottages or similar on their land while others won’t. The unique features of your property and its land will play a role in the bespoke stately home insurance policy created for you.
Stately home insurance can include the following types of cover:
- Buildings cover
- Contents cover
- Business interruption cover (should your property be used for business purposes)
- Legal expenses (as above)
It is even possible to get support and advice from specialists such as architects, fine art specialists and antique experts when assessing the level of cover needed for the property in question. The more information you can provide the better for getting a fully fitting insurance policy.
Stately Home Insurance with Just Quote Me
Our professional insurance advisors work with business owners as well as those looking for personal insurance all day, every day. Our experience allows us to help you find the right cover for your property, taking into account its unique features. Contact us today to arrange cover for your stately home.