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*.
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Non-standard homes may be made from outdated materials and building methods.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:
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.
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.
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
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
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
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.
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.
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“…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!….”
