non-standard property insurance
Unusual properties or construction

Non standard home insurance

Specialist cover for unique properties with unconventional construction materials, or other factors that are not covered by a standard home insurance policy.

We’ve got You Covered.

non-standard insurance

Specialist Insurance Cover

Non standard home insurance covers many types of houses or circumstances that a standard home insurance policy won’t cover. This includes unusual construction materials, listed buildings, holiday homes, unoccupied properties, and previous subsidence as well as personal circumstances such as past convictions or bankruptcy.

Intelligent Insurance provide specialist home insurance policies tailored to fit your circumstances*.

  • Immediate online quote in most cases
  • Buildings & contents insurance rated 5 Star by Defaqto
  • Rated Excellent on Trustpilot
  • Policies underwritten by a panel of UK insurers
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Frequently Asked Questions

To most UK insurers, ‘standard’ refers to properties with a regular bricks and mortar build with a pitched slate or tile roof. Therefore the term ‘non-standard construction’ is far more inclusive than many people realise.

Practically any building not constructed of tiles, bricks and mortar can fall outside of the ‘standard’ bracket and be considered as higher risk by insurers. This includes wattle and daub, listed buildings, steel or timber framed builds, concrete homes, even flat roofs or non-standard extensions, the list is extensive.

A non standard policy will be required for houses that aren’t built in the usual way, for instance if they have materials other than brick or tile.

It is also required for homes built in locations that are considered to be a higher risk, such as known-flood risk areas.

You are likely to also need non-standard home insurance if you have certain personal circumstances.  These  may include past convictions, bankruptcy or owning a second home or an unoccupied property.

Non-standard home insurance covers properties that were built using unusual materials or old-fashioned construction methods. Any home that’s not built from brick or stone with a slate or tile roof will likely fall into this category

Non-standard homes may be made from outdated materials and building methods. They generally require a specialist home insurance policy because:

  • Replacing and repairing parts of your home is going to be more expensive than when using standard materials
  • Non-standard materials are more likely to need ongoing maintenance
  • Building materials might be harder to find or may be vulnerable to further damage
  • In a lot of cases, repairs will require a specialist tradesperson
  • Rebuild and repair processes can take longer which will increase the cost of labour

We offer several additional coverage options to provide comprehensive protection for your non-standard situation. These include accidental damage cover, legal expenses, and coverage for valuable personal property, among others. Our team can help you customise a policy that perfectly fits your needs.

Still have questions? Visit our help centre

Intelligently Insured

Intelligent Insurance have been providing non standard home insurance for over 10 years and are one of only a handful of providers that offer a 5 Star Defaqto Rated buildings and contents insurance policy.

  • Properties with unusual construction materials
  • Listed buildings
  • Subsidence & underpinned
  • Second/holiday homes
  • Probate
Non standard home insurance

Get an online quote for non standard home insurance, tailored to your needs

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For help with your quote, use our online chat to speak with a member of our team

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*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.

What our customers say

  • Straight forward experience

    “…The ability to connect to “live chat” and then someone taking the trouble to deal with a complex situation and being very flexible and forthcoming made the experience extremely satisfying, ….”

    New Policyholder – 8th July 2024

Home Insurance Specialists names you can trust

Intelligent Insurance | AXA Panel Member
Allianz Insurer
Intelligent Insurance | Pen Underwriting Panel Member
Intelligent Insurance | Arkel Panel Member
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Prestige Underwriting Services Panel Member

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