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
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Non-standard homes may be made from outdated materials and building methods.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.
An Intelligent approach to non-standard house insurance
Intelligent Insurance approaches non-standard house cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.
This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.
We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.
What we provide
What isn't included?
- 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
- 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
Looking for extra protection? Upgrade your cover
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Family Legal Protection Plus
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Optional -
Home Emergency Plus
Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation
Optional -
Accidental Damage
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
Optional
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
Get an online quote for non standard home insurance, tailored to your needs
For help with your quote, use our online chat to speak with a member of our team
*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
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Obtaining suitable insurance has been problematic…
“…We have a very unusual house (both location and construction) and obtaining suitable insurance for it has been problematic and expensive over the years. Intelligent Insurance specialise in such situations. They were extremely helpful, most constructive in their approach and quick to check difficult details with the underwriters, so reducing our premium by almost a half. If you are having problems with insuring a property ‘out of the ordinary’ then don’t hesitate to approach Intelligent Insurance for a quote – and enjoy the experience of working with them. Thanks Jack!….”
JB
New Policyholder – 30th August 2024
Home Insurance Specialists names you can trust
