We Cover What Mainstream Insurers Won’t
Construction-Specific Rejection
Many standard insurers use automated systems that “auto-decline” anything that isn’t brick and tile. We don’t. Our panel understands the nuances of specialist materials, from modern eco-builds to historic timber frames.
Non-Standard Materials
From wattle and daub to prefabricated concrete, if it’s “unusual,” we’re interested.
Flat Roofs
Whether it’s felt, timber, or eco-green, we provide robust protection where others see “risk.”
Timber & Steel Frames
Specialist cover for modern methods of construction and heritage builds.
High-Level Protection as Standard
What we provide
Buildings cover up to £1,000,000
The amount your insurer will pay to repair or rebuild your home in the event of an insured loss.
Contents Insurance up to £100,000
New for old cover for belongings kept in your home
Alternative accommodation
Temporary accommodation in the event your home is uninhabitable
Replacement locks and keys
For lost or stolen keys
Trace and access cover up to £5,000
Replacement and repair to any parts of the building that are removed when tracing escape of water
Family Legal Protection up to £25,000
Cover for legal expenses (whether prosecuting or defending). There is a £100 excess.
Home Emergency Cover up to £250 per call-out
24 hour immediate assistance from a professional electrician, plumber or other specialist following certain emergencies in the home included as standard.
What isn't included?
We don’t cover loss or damage
- Caused by wear, tear or gradual deterioration
- That occurred before the policy started
- Caused by vermin, insects, pets
- Caused by dishonest, wilful or deliberate acts
- Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
Cover restrictions
- you are only covered up to the maximum claims limits shown on your schedule
- you are responsible for any excesses stated in your policy
- any exclusions or restrictions shown by endorsement in your schedule
Home Insurance Specialists names you can trust
