Non Standard Home Insurance
Our panel of insurance companies can provide cover for most non standard home insurance this includes construction including timber framed buildings, flat roof house, flood area, subsidence and underpinned properties etc.
What is non standard home insurance?
- Buildings that are non standard construction types such as timber framed, flat roof houses with resin or felt on timber roofs. Most insurers are looking for standard construction types.
- Home owners with an adverse claims history where a large number of claims were made in a short period of time. Most standard home insurance companies will usually avoid offering terms for homeowners that fall into this bracket.
- If you have been declined, refused or had home insurance cancelled then you may find it very difficult to obtain home insurance at a competitive price. This is a material fact that must be disclosed to all home insurers.
- Subsidence history / underpinned properties is another area where majority of the home insurers will not wish to provide quotations for homes that have previously suffered from subsidence and the building had to be underpinned.
- We can also cater for homeowners with previous convictions / bankruptcy.
- Irregular occupancy where you are away for long periods of time due to work.
Benefits & Cover available for Non-Standard Household Insurance:
- Asylum seekers / DSS / Students / Tenants
- Insurance for blocks of flats
- Buy to let insurance
- Cancelled, declined or special terms imposed
- Converted church insurance
- Criminal conviction / criminal record insurance
- High risk flood insurance
- High risk occupations including entertainment industry
- Holiday home insurance
- Non standard construction / flat roof insurance
- Insurance for poor claims history
- Subsidence & underpinned property insurance
- Vacant property insurance
Non Standard Properties We Can Cover:
- Bed and breakfast accommodation
- Business visitors
- Childminders
- Home workers
- Listed properties
- Non standard construction
- Timber framed properties
- Steel framed properties
- Eco homes
- Essex, cob, wattle and daub (made from a combination of wet soil, clay, sand, animal dung and straw)
- Non combustible pre fabricated
- Properties in conservation areas
- Stramit
- Flat roofs (various types of construction)
- Properties with shingle roofs
- Non standard occupancy
- Renovation
- Student/ DSS
- Unoccupied
- Underpinned
Cover Provided
- Buildings and contents
- All risks and accidental damage options
- Emergency home assistance and family legal protection