Listed buildings – what are the different grades and categories?

If you live in a listed building, insurers typically want to know that grade or category of listing the building has. This is because the higher the grade or category the greater it may cost to repair damage. The different regions of the UK have different rating systems:

“Holiday” home or “second” home – is there a difference?

People lucky enough to have another home as well as their main home can refer to it in different ways. Like so many things in the English language, we don’t have exact defined terms that everyone agrees on. However, home insurers do mean different things when referring to “holiday” homes and “second” homes: A holiday…

Why are non-standard construction homes a problem for mortgage lenders and insurers?

Non-standard construction properties are those that aren’t built with brick or stone walls, and with tile or slate roofs. So the non-standard definition includes thatched houses, pre-fab (both post war and modern designs), timber framed houses and wood built houses. Clearly some types of non-standard construction houses are a greater risk – for example thatched…