Non standard home insurance

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Non-standard homes may be made from outdated materials and building methods.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.