Non-Standard Home Insurance

Finding insurance when your home is different can be a prickly business.

If your home is Listed, uses special materials or you have particular considerations to make, you may need Non Standard Home Insurance.

It doesn’t take much to fall outside of ‘the norm’, it could be something as simple as a thatched roof, or that your property is in a floodplain postcode, or perhaps your home had an instance of subsidence many years ago.

Whatever the reason, you need to ensure you have a home insurance policy that reflects your exact circumstances and provides adequate protection.

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Key features of our Non Standard Home Insurance:

Buildings Insurance

Specialist cover for properties that are Listed or built with ‘non-standard’ materials including thatch, timber and steel frames or wattle and daub, to name just a few.

Contents Insurance

Insure the contents and valuables inside your home against loss or damage, caused by fire, flood, storm or theft. If you own high valued jewellery, then consider special high value jewellery insurance cover.

Accidental Damage

Provides insurance cover for accidental damage to windows, pipework (oil, water supply, gas) and drains as well as cover for some home contents.

Optional Covers

You can add optional cover to your policy including public and employers liability insurance, office equipment and trace and access for leaks and more.

Self Build Cover

Building your own home from scratch can be stressful enough.

We can advise you on flexible cover that reflects your needs as you develop the property.

Major Improvement Protection

Most insurers will remove cover if you are spending over £50,000.

We can help ensure your home remains protected if you are having major renovation or extension work.

Who needs Non Standard Home Insurance?

Non Standard Home Insurance is for people whose home is considered at a higher risk of an insurance claim than the average home.

Repairing any home after damage can be expensive, let alone repairing one of non standard construction.

Rather than the building itself, it could be some unique or unusual circumstances that mean a regular policy won’t suffice.

Unlike most Home Insurance policies which focus on the physical building, Non Standard Home Insurance also takes the surrounding area into account. You may wish to consider a Non Standard Home Insurance if your property:

is situated within 400 metres of a river or other waterway, or in an area with a history of flooding
will be unoccupied for at least 30 days consecutively, needing unoccupied house insurance
if there are any trees standing taller than 10 metres within a 5 metre radius

A Non Standard Home Insurance Policy can not only help recover the costs of repairing damage to your home, but also provide temporary accommodation should your home becoming uninhabitable when being fixed.

If your home fits into any one of the following categories then you probably need specialist home insurance in the form of a Non Standard Home Insurance policy.

Is a Listed Building – Cover is available for Grade 1, 2 and 2* listed properties.

In a flood area – if your property is situated in an area prone to flooding, or has been previously flooded. You can find out if your home is in a flood risk area on the Environment Agency website

Has a thatched roof – homes with thatched roofs are more at risk from fire damage than a home with say a standard tile roof and require specialist thatched property insurance.

Has had subsidence – houses that have suffered from subsidence or are located in an area with a history of subsidence.

Is unoccupied – empty properties or properties left unoccupied for over 30 days at a time will not be covered by a standard home insurance policy.

Is a Farm – Farms require specialist cover as they are both a business and a residence.

Is of non-standard construction – houses constructed using non-standard materials such as timber frames are only properly covered by a specialist buildings insurance policy.

Is a self-build property – a non-standard home insurance policy will provide cover during the construction of your property and can extend to employers liability insurance and insurance for tools and equipment.

What does Listed Property Insurance cover?

If you own a listed building then it is your responsibility to ensure that the building remains damage free and as close to its original state as possible. You may also be legally obliged to restore your property if any damage were to occur. There are also restrictions and specifications on the types of material you are allowed to use that could be more costly than a regular repair. All of these things have an impact on the cost of the insurance and the only way to get an accurate price is to get an experienced insurance professional to assess your needs for you.

Typically a Listed Property Insurance policy will include:

Damage to the property’s bricks and mortar, beams and any other original features
Damage caused to the structure by fire or flood or adverse weather
Temporary accommodation while your home is being repaired
Costs of having to use expensive or specialised building materials and techniques to restore your home

A Non Standard Home Insurance Policy can not only help recover the costs of repairing damage to your home, but also provide temporary accommodation should your home becoming uninhabitable when being fixed.

What does Listed Property Insurance cover?

Due to the age of most listed buildings, they will need repairing eventually. However, you can carry out regular maintenance and checks to catch any damage early. This can include:

Checking pipes and gutters for blocks, leaks or cracks
Regular roof checks for loose or broken tiles
Check ceilings for damp
Look out for erosion in the brick work

Most damage to Listed Buildings comes from damp, so it’s important to stop moisture entering your home where possible.

Owning a listed building can be incredibly rewarding, like owning a piece of history. However it is important to understand the responsibility that comes with a listed building. You can be required by law to fix and repair your listed home so having the correct insurance in place is essential to fulfilling your responsibilities as a listed property owner.

Click to complete a quick form for a free, no obligation quote:

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Our team can tailor a policy to suit the exact needs of your home.

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Have you ever been convicted of any offences involving fraud, theft, false accounting or other dishonesty or an offence (whether or not in the United Kingdom) relating to companies, building societies industrial and provident societies, credit unions, friendly societies, insurance banking or other financial services, insolvency consumer credit or consumer protections, money laundering, market manipulations or insider dealing? (required)	YesNo
Are you the subject of any current criminal proceedings? (required)	YesNo
Have you any convictions for any offences other than those listed in question 1 a) above which are not spent, whether or not in the United Kingdom (excluding traffic offences unless these resulted in a ban from driving or involved driving without insurance)? (required)	YesNo
Are you or have you ever been the subject of any civil proceedings, arbitration or litigation, including proceedings that resulted in a County Court Judgment (CCJ) or other judgement debts, in the United Kingdom or elsewhere? (required)	YesNo
Are you aware of any intention to begin such proceedings against you in the future? (required)	YesNo
Do you have any judgement debts (including CCJs) made under a court order still outstanding, whether in full or in part? (required)	YesNo
Have you ever failed to satisfy any such judgement debts within one year of making of the order (required)	YesNo
Are you or have you ever been, the subject of any bankruptcy proceedings, or proceedings for the sequestration of your estate? (required)	YesNo
Have you ever entered into a deed of arrangement or an individual voluntary arrangement (or in Scotland a trust deed) or other agreement in favour of your creditors, or are you doing so? (required)	YesNo
Have you ever been found guilty of conducting any unauthorised regulated activities or been investigated for possible conduct of unauthorised regulated activities? (required)	YesNo
Are you, or have you ever been, the subject of an investigation into allegations of misconduct or malpractice in connection with any business activity? (required)	YesNo
Have you ever, either in the United Kingdom, or elsewhere been - (required)
- refused entry to, or been dismissed or requested to resign from, any profession, vocation, office or employment, or from any fiduciary office or position of trust, whether or not remunerated? (required)	YesNo
- refused, restricted in, or had suspended, the right to carry on any trade, business or profession for which specific licence, authorisation, registration, membership or other permission is required? (required)	YesNo
- disqualified by a court from acting as a director of a company or from acting in a management capacity of conducting the affairs of any company, partnership or unincorporated association? (required)	YesNo
- the subject of a disqualification direction under section 59 of the Financial Services Act 1986 of a prohibition order, under section 56 of the Financial Services and Markets Act 2000, or received a warning notice to make such a direction or order? (required)	YesNo
Have you ever been a controller, director, senior manager, partner or company secretary of a company, partnership, or unincorporated association? If you answered "no" to question 8 you may proceed to section 12. Please tick (required)	YesNo

In respect of activities regulated by the FCA have you, or any company, partnership or unincorporated association of which you are or have been a controller, director, senior manager, partner or company secretary, during your association with that entity and for a period of three years after you ceased to be associated with it, ever - (required)
- been refused, had revoked, restricted or terminated any licence, authorisation, registration, notification, membership or other permission granted by any such body? (required)	YesNo
- been criticised, censured, disciplined, suspended, expelled, fined, or been the subject of any other disciplinary or intervention action by any such body? (required)	YesNo
- resigned whilst under investigation by, or been required to resign from, any such body? (required)	YesNo
- been the subject of any civil action which has resulted in a finding against you or it by a court? (required)	YesNo
Has any company, partnership or unincorporated association for which you have been a controller, director, senior manager, partner or company secretary, in the United Kingdom or elsewhere, at any time during your involvement or within one year of such an involvement – (required)
- been put into liquidation, wound up, ceased trading, had a receiver or administrator appointed or entered into any voluntary arrangement with its creditors? (required)	YesNo
- been declared by a court liable for any fraud, misfeasance, wrongful trading or other misconduct? (required)	YesNo
- been investigated or been involved in an investigation by an inspector appointed under companies or any other legislation, or required to produce documents to the Secretary of State, or any other authority, under any such legislation? (required)	YesNo
- been convicted of any criminal offence, censured, disciplined or publicly criticised, by any inquiry, by the Takeover Panel of any other governmental or statutory authority or any other regulatory body (other than as already indicated under 10 b))? (required)	YesNo
Are you currently a director of any company other than one which is a part of this company? (If “yes” please give details on the supplementary sheet). (required)	YesNo

Non-Standard Home Insurance

If your home is Listed, uses special materials or you have particular considerations to make, you may need Non Standard Home Insurance.

Key features of our Non Standard Home Insurance:

Buildings Insurance

Contents Insurance

Accidental Damage

Optional Covers

Self Build Cover

Major Improvement Protection

Who needs Non Standard Home Insurance?

What does Listed Property Insurance cover?

What does Listed Property Insurance cover?

Our team can tailor a policy to suit the exact needs of your home.

Your Details

Company Details

Good Repute Fit and Proper Form

Good Repute Fit and Proper Form

I confirm that the information in this form is accurate and complete to the best of my knowledge and belief and that I have read the notes accompanying this form.
Personal information provided in this form will be used by us to discharge our statutory functions under the Financial Services and Markets Act 2000 and other relevant legislation and will not be disclosed for any other purpose without the permission of the applicant.

Non-Standard Home Insurance

If your home is Listed, uses special materials or you have particular considerations to make, you may need Non Standard Home Insurance.

Get a quick quote

Key features of our Non Standard Home Insurance:

Buildings Insurance

Contents Insurance

Accidental Damage

Optional Covers

Self Build Cover

Major Improvement Protection

Who needs Non Standard Home Insurance?

What does Listed Property Insurance cover?

What does Listed Property Insurance cover?

Our team can tailor a policy to suit the exact needs of your home.