If your home uses special materials or you have particular considerations to make, you may need Non Standard Home Insurance.
It could be something as simple as a thatched roof, or that your property is listed as being on a floodplain postcode. Perhaps your home had an instance of subsidence many years ago. It’s a fact that it doesn’t take much to fall outside of ‘the norm’ and you need to ensure you have a home insurance policy that reflects your exact circumstances and provides adequate protection. Get the best policy to suit your needs from Ellis David.
Key Features Of Our Non Standard Home Insurance
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. 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.
- In a flood area – if your property is situated in an area prone to flooding, or has been previously flooded then you will probably need a non-standard home insurance policy. 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 may need specialist home insurance
- 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 and require specialist cover
- 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
Rather than the building itself, it could be some unique or unusual circumstances that mean a regular policy won’t suffice. If you run a business from your home, or its only occupied sporadically, you may find you need this highlighting to your insurer or risk not being on cover at all. Your home is often the most expensive purchase of your life time. Protecting it through a non-standard home insurance policy means you get the peace of mind from knowing you’re correctly covered.
If your home has been classified as a listed building, it will need specialist Listed Property Insurance which we can also arrange for you here at Ellis David.
What does Non Standard Home Insurance do?
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.
Why Compare Non Standard Home Insurance Quotes with Ellis David?
Your home is too important not to insure. Not only is it most likely the most costly possession you own, it’s where you keep many of your possessions safe, where you relax and live.
With over 70 years of combined insurance broking experience, Ellis David can get you the best deal for your insurance. We can tailor a policy to suit your needs so that you have all the correct cover in place but are not paying for cover that you don’t need. If you already own or are planning to buy a ‘non standard’ property, we would highly recommend that you consider a non standard home insurance policy (or a specialist home insurance policy as it is sometimes known).