Do I need to get headstone insurance?

If you’re organising the headstone for a loved one, the last thing on your mind will be insurance. We’re sure you’ll be much more focused on what the headstone will look like, what it will say, and even what font you’ll choose.

However, with so much work going into how the headstone looks and how it represents your loved one, you should consider making sure it’s protected against both natural and human damage.

How much does it cost to insure a headstone?

There are two different ways to manage the cost of headstone insurance.

Insurance company

StoneGuard, a leading memorial stone insurance company, organises five-year premiums for memorial headstones in cemeteries and churchyards in the UK.

The premium prices are based on the value of the headstone itself and include insurance premium tax. As an example, if the headstone you organise for your loved one costs £480, then you would be looking at a premium of £38.00. For a more expensive headstone, such as £3200, the premium would increase to £177.00.

Find a list of all the premium prices for StoneGuard insurance here.

Home insurance

If you have home insurance already, it may be possible to add the headstone to your household insurance policy, which is both a simple and cost-effective solution. It also means you can avoid arranging an individual insurance policy which will only last for a certain time period; adding it to a household insurance policy will ensure that the headstone is correctly covered year on year.

However, it’s important to check with your current household insurance provider to find out whether this is possible. There may also be a slight increase in your home insurance depending on the value of the headstone.

What is and isn’t insured?

Like all policies, headstone insurance has guidelines on what damage is and isn’t covered under their policy.

If you organise headstone insurance, you can guarantee protection against:

  • Accidental damage, such as storms, floods and falling trees
  • Vandalism
  • Theft
  • Impact by a mower
  • Damage to or re-fixing and realignment of the memorial stone due to a fault
  • Subsidence
  • Legal responsibility to pay damages arising from the ownership of a memorial stone which results in accidental injuries of any person or damage to property

However, there are also some situations that insurance won’t cover:

  • Depreciation e.g. wear and tear
  • Theft from an unattended or unlocked vehicle
  • Damage that occurred before cover began
  • Pollution or radioactive contamination
  • Sonic bangs/boom, terrorism, or war risks

Do I have to get headstone insurance?

While there is no legal requirement to have a headstone insured, we would strongly recommend it. Safeguarding a headstone against damage means that it will stand for many years to come and provide a memorial that will be a comfort to visit.

Create the perfect headstone for your loved one with County Stone

At County Stone Memorials, we provide you with the highest quality memorial for your loved one, crafted with the utmost respect and care.

With extensive industry experience, our professional team will offer all the advice and support you need throughout the process and can take the weight off your shoulders during a difficult time.

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