Insurance As an owner of a Period or Listed property, it is important that your home is properly insured. Huber Dixon are ProjectBook's appointed insurance specialists who are able to advise you in a clear, straightforward manner and arrange appropriate insurance for your property.
Making Adequate Insurance Arrangements For Historical Buildings, Fine Art and Antiques
Huber Dixon have specialist knowledge of arranging bespoke insurance policies on all types of property, including more complex listed ones, and can provide you with help and advice whatever the requirements.
Historical, Listed or Period properties carry with them a responsibility on the owner for preserving the country's heritage. If you own a Historical or Listed Property you are legally responsible to preserve and maintain its fabric to the proper standard in keeping with its historical significance. A major part of this accountability is to ensure that the property is correctly and comprehensively insured so that in the event misfortune strikes you will be financially able to make good any damage and maintain its important significance. Below are a just a few of the many factors that will affect the risk profile of a listed property; • Type of activity and trading risk • Any special architectural features • Location and proximity to emergency services • Size and Age When obtaining an insurance policy it is essential that all of these factors are considered to enable an Insurance company to provide the most comprehensive policy. Our expertise in this field will ensure that you identify the best policy for your unique situation. Questions regularly asked include; Buildings Sum Insured – How do I calculate the right cost? One of the hardest areas to determine is the correct property value. Considerations include reinstating the building including planning permission, demolition, unique original materials (this is always going to be significantly higher than with a standard property). The last thing that you need to incur is either a penalty for under insuring your property, or “average”, both of which could leave you significantly out of pocket. Fine Art and Antiques – What happens when I need to make a claim? Other factors that need to be taken into account when considering the right policy includes the loss of valuable contents including fine art and antiques. A standard contents policy may require you to replace an item before reimbur sement. A specialist policy understands that the item may not be that easy to replace and will offer a full cash settlement as an alternative. Advice – Where can I get this? Huber Dixon Insurance Services Ltd are a specialist insurance broker with the required knowledge and experience to be able to help you identify these factors and any others that are specific to your personal requirements. We can, offer you a specialist tailored policy to meet these needs that will hopefully give you complete peace of mind.
Huber Dixon Insurance Services Ltd have been appointed insurance advisor's to ProjectBook site users to cover all aspects relating to Historical, Listed and Period property.
 Please contact Sara Huber or Rupert Dixon on 0845 430 5430 or email at info@huberdixon.com to discuss your requirements further. Huber Dixon Insurance Services Ltd is an Appointed Representative of Ten Insurance Services Ltd which is authorised and regulated by the Financial Services Authority.
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