isometric illustration of a house built with with multiple non-standard construction materials

Non standard home insurance

Don’t let non-standard construction or unusual property features stop you from getting 5-star rated cover.

We work with a specialist panel of UK insurers to find the cover others can’t, all in under 10 minutes.

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We Cover What Mainstream Insurers Won’t

Harder-to-place properties

Many standard insurers use automated systems that automatically 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 and unusual builds

From wattle and daub to prefabricated concrete, and from barn and loft conversions to other non-standard property features, if it’s “unusual” we’re interested.

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Or call us on 0333 311 0390 to speak to our UK-based team.

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

Intelligent Insurance | Pen Underwriting Panel Member

Intelligent Insurance | Arkel Panel Member

Intelligent Insurance | Non-Standard Home Insurance