There are several types of properties that might be considered non-standard, including:
Listed buildings are those of historical significance. They often require more maintenance than standard homes, and are generally built from uncommon or outdated materials. Typically, a combined buildings and contents home insurance policy for a Grade 1 listed building costs £648, compared to £213 for a non-listed building1.
These timber made buildings require non-standard home insurance as they're generally more risky to insure, especially those that are older. They cost £2881 to insure, on average.
Thatched houses are at greater risk of fire, and so are more difficult to insure. This means combined home insurance can be quite expensive, with policies for thatched roof homes costing £1,7881 on average.
Prefabricated houses, include modular homes, mobile homes and manufactured homes built from panels. Prefab houses cost £2711 to insure, on average for a combined policy.
These buildings can be more expensive to repair due to the materials used in construction.
1Based on Confused.com data, Q4 2024.
There are 3 types of home insurance: buildings insurance, contents insurance, and combined buildings and contents insurance.
Buildings insurance
Contents insurance
Combined home insurance
Insurers add interest when you pay monthly, so paying annually usually works out cheaper. For a combined buildings and contents insurance policy, paying monthly could cost £2012. This is almost 11% cheaper than paying annually.
Typically, the more you're able to pay towards any claims, the less your insurance costs. Just make sure you set it at an amount you can afford. Setting your excess at this level could save you up to 5%2 on your combined home insurance policy compared to choosing no excess.
Non-standard home insurance can be expensive, so finding an affordable policy that suits your needs is important. Comparing quotes is the best way to make sure you're getting a good deal.
Each year you're insured without making a claim, you get a year added to your no-claims bonus (NCB), as long as you don't cancel your policy before the full year. Insurers offer discounts for your NCB. The bigger your NCB, the bigger the discount could be.
2Based on Confused.com data, Q4 2024
"When buying non-standard home insurance, you should have a few documents ready. The deeds to your house will tell you whether it's made from any non-standard materials or has features like a brick facade. Your home survey report should also contain information that can help when getting your quote. Any safety certificates will also help, such as:
Find out about the different types of home insurance
Do you know how much cover you need? Our guide can help make sure you've considered everything.
Having a claim rejected could leave you out of pocket when you need your insurance the most. We take a look at common pitfalls to avoid.
If you make a claim on your home insurance, they may send a loss adjuster to your home to establish the facts about the claim. Here's what you need to know.
If you're dabbling with your own grand design, it's best to be protected for all eventualities. When building your own home, self-build insurance covers your project from buying the land until completion of the property.
If you live within the boundaries of a parish church you could be liable to contribute towards the costs of repairs to it.
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