What is non-standard home insurance?
Non-standard home insurance, sometimes referred to as specialist home insurance, covers homes that aren’t eligible for standard home insurance.
This is usually because unusual or old-fashioned construction methods have been used. Any home that isn’t built from brick or stone with a slate or tile roof will likely fall into the non-standard category and require non-standard construction home insurance.
Examples of non-standard properties include:
Another reason why non-standard home insurance might be needed is if your house is in an area at high risk of flooding.
Personal circumstances such as bankruptcy or long absences from the property can also mean non-standard home insurance is required.
What does non-standard insurance cover?
As with standard home insurance there are 2 types of non-standard home insurance; buildings insurance and contents insurance.
Buildings insurance protects the actual structure of your home, as well as any fixtures.
Contents insurance covers all of your personal possessions inside the house.
You can also choose a combined policy to cover both buildings and contents insurance.
As non-standard home insurance is designed for the increased risk attached to your particular property type, your policy is also likely to cover:
- Flood and storm damage
What our home insurance expert says
Non-standard homes can be more complicated to insure because they use different materials and construction to standard builds. And if they’re damaged, they can be more costly to repair. It's not just your home’s construction that counts as non-standard. You might need a non-standard policy if you've been declared bankrupt, or have a criminal conviction.
Home insurance product manager