"Non-standard" is a term insurers often use to define insurance that falls outside the reach of a normal home insurance policy. Endsleigh Insurances (Brokers) Limited has a specialist team for non-standard home insurance. We have the ability to provide insurance for many non-standard home insurance situations, such as the below:
Non-standard home insurance could involve a risk that is caused by a personal history effect like claims or convictions or it could be to do with the property construction or the area where the property is situated. These properties pose a different risk than normal properties for insurers.
This list is by no means exhaustive. However we find that these are the most common forms of non-standard home insurance people have.
Pre-fabricated properties. Timber framed houses. Steel framed houses. Essex, Cob, Wattle and Daub (made from a combination of wet soil clay, sand, animal dung and straw). Flat roofs. Shingle roofs. Colt properties. Listed buildings. Eco.
Joint occupancy. Holiday homes. Second homes. Unoccupied properties.
Underpinned homes. Flood risk properties. Renovating.
Declined insurance. Claims history.
...including the rebuild value of the property, the level of security and any issues in its history, which can normally be found on the survey for the property.
...such as thatch or another unique construction material make sure you cover the details with the previous owner by asking probing questions. You can query their insurance, asking if they have had any issues obtaining cover in the past, this could save you a lot of time and money.
...or another unique construction material make sure you have the electrical inspection documents, surveys and details of general maintenance that has been carried out.