Non-Standard Home Insurance

When we refer to ‘non-standard home construction’ we are generally talking about homes that are built a little different to the norm.

‘Normal’ or standard construction usually means that a property has been built from brick or stone and has a pitched roof covered with slate or tiles.

Any home that doesn’t fit this description could be considered ‘non-standard’. This could be the case if your home is built using straw insulation or is pre-fabricated, for example. Converted properties may also qualify; if you live in a converted church or school, chances are that you will need Non-Standard Home Insurance.

There is no legal obligation for you to get Non-Standard Home Insurance for your property – but this doesn’t mean that you shouldn’t consider it.

Regular Home Insurance may not give you enough financial protection if your home is a little different. For instance, if it has a thatched roof, has a steel construction or is rented out on AirBnB. These examples all make a home ‘non-standard’ and could lead to your home being exposed to greater or more complex risks. Your rebuild value, and the value of your contents, could also be higher, which regular Home Insurance may not extend to cover.

It should also be remembered that homes under probate, which are left unoccupied or are being renovated may not be adequately covered by normal Home Insurance.

To discuss your requirements, have a chat with our experienced team at Chris Knott Insurance.

Non-Standard Home Insurance will cover both your building and your contents for insurable events such as flood, fire and theft.

But unlike standard Home Insurance, your cover will provide more tailored protection that takes into consideration the unique aspects of your property, such as unusual construction materials or methods, its use as a holiday home or listed status. This could mean that your cover allows for a higher rebuild cost or provides additional protection for heightened fire risks.

To find out if your home needs Non-Standard Home Insurance, simply get in touch with us and we can help.

The cost of insurance for non-standard construction houses is based on a number of factors, including:

• The age of your property and if it has listed status
• The construction materials
• Your local environment and crime rates
• Your current fire and security measures
• The rebuild cost and the value of your contents
• Whether your property is occupied and how it is used
• If you want annexes, outbuildings or any other attached structures included.

To get your tailored Non-Standard Home Insurance quote, speak to the expert team at Chris Knott Insurance today.