Non Standard Home Insurance

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  • Listed Buildings
  • Thatched Roofs
  • Flood Risk
  • Subsidence or Underpinned
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Non Standard Insurance

When it comes to home insurance, most mainstream home insurers like the ordinary and sometimes lack the knowledge or experience to insure homes that pose a slightly diffent risk as they're slightly unusual.

Listed Buildings

Listed buildings are generally harder and more expensive to insure. This is mainly because any work on a listed property is generally more onerous and expensive than average. Listed buildings are generally older which can make them more vulnerable to things like storm damage too.

Thatched Roofs

Properties with thatched roofs can considerably be more expensive to repair than those with a slate or tile roof. Thatched roofs also require considerably more maintenance which if neglected can lead to more serious issues. Some insurers also perceive them as a high fire risk, particularly because thatched properties tend to have open fires or log burners in regular use, although there are a number of fire prevention products available for thatched roofs that may help reduce premiums.

Subsidence, Landslip and Underpinning

If your property has experienced landslip or subsidence in the past, or is in a high risk area, insurers will be nervous because there's a risk of a big bill in the future. Likewise if your home has been underpinned previously there's a risk there may be further problems in the future which could be expensive.

Flood Risk

According to the Environment Agency one in six homes are at risk of flooding. If your home is on a flood plain or high risk area you'll likely find you need specialist cover as mainstream insurers won't be able to cover you. Specialist insurers will have more experience to accurately quote for your home, and they should also be able to provide guidance on how to minimise flood risk which could help reduce premiums.

Tips for Non-Standard Home Insurance

Do I legally have to insure my home?

In the UK there is no legal requirement to have home insurance, although if you have a mortgage your terms and conditions will usually require you to have adequate insurance at all times. Whilst it may be tempting to go without, the cost of home repairs can be very high so think about how you would fund them without insurance should the worst happen.

Choose the right cover

Make sure the policy you choose covers your needs. Make sure your insurer understands the unique nature of home so they can tailor cover to your specific needs. For example thatched properties are often listed buildings too, make sure your insurer is aware if this is the case.

Try to pay your premium upfront

Many insurers will charge interest if you opt to pay monthly. So, if you are able to, always look to pay for the year upfront to avoid this extra cost.

Don't buy unnecessary extras

You'll no doubt be offered a host of policy extras by your chosen insurer. Whilst some extras provide great value, don't pay extra for cover you won't use.

Renew your policy in good time

It may seem counter intuitive, but research suggests insurers can offer discounts to customers who are organised. People who leave renewing their insurance until the last minute could be disorganised and always in a rush, which could theoretically translate into riskier behaviour like leaving repairs until it's too late.

Don't auto-renew

It's always worth comparing prices every year to make sure you're getting the best possible deal. If you use our service we will send you a reminder to shop around.

How to Save £s on Non Standard Home Insurance

In 3 simple steps, taking less than 2 minutes, you can search a wide range of some of the most trusted providers in the UK. You can also tailor the policy to ensure it covers you for what you need.

1
Tell us about you

Enter your personal information, name, address, occupation, etc – this tells the market who you are and where you live.

2
Provide your requirements

Where is your home, what makes it unique, do you need buildings and contents cover?

3
Choose the right policy

Review the results and tailor your cover – once the market has quoted your policy, you can amend cover to your own needs. Higher or lower excess? Legal Cover? Home Emergency?

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