Norton can arrange specialist insurance for Grade II* and Grade II listed properties in England and Wales, and Grade B and C listed properties in Scotland. Our specialist insurer panel includes providers experienced in heritage property risk who assess each building individually.
Grade II listed buildings (England and Wales)*: Particularly important buildings of more than special interest — around 6% of listed buildings in England. Grade II* properties often present more complex underwriting requirements than standard Grade II listed buildings, due to their greater architectural or historic significance and the higher reinstatement costs that typically follow. Our in-house underwriting team reviews each property individually to ensure the policy reflects its specific characteristics.
Grade II listed buildings (England and Wales): The most common listing classification, covering buildings of special interest that warrant effort to preserve. Grade II listed buildings make up the vast majority of listed properties in England and Wales. Despite being the most common category, they remain unsuitable for standard comparison site policies due to their higher reinstatement costs and material requirements — and require a specialist approach to be insured correctly.
Grade B listed buildings (Scotland): Historic Environment Scotland’s Grade B classification covers buildings of regional or more than local importance. Grade B listed properties in Scotland carry similar insurance considerations to Grade II* properties in England — higher reinstatement costs, specialist material requirements, and the need for an insurer experienced in heritage construction.
Grade C listed buildings (Scotland): Grade C covers buildings of local importance, lesser interest, or traditional character in Scotland. These properties are often more accessible to insure through specialist channels than higher-grade buildings, but still require a policy that properly reflects their construction and reinstatement requirements rather than a standard home insurance product.
Period and historic properties in conservation areas: Properties within conservation areas are not listed buildings, but they often carry similar restrictions on materials and alterations. We can arrange cover for period properties in conservation areas where standard policies may be insufficient. If you are unsure whether your property is listed or sits within a conservation area, see the FAQ section below for guidance on how to check.
