Non-Standard Home Insurance
Insurance Quotes at Competitive Prices
What is Non-Standard Home Insurance?
Non-standard home insurance refers to insurance aimed at protecting homes that don’t fall under the ‘standard’ bracket. It’s a broad umbrella of a term, with many different property types falling into the category of non-standard. By speaking to a specialist broker at Insurance By Simply, you drastically improve your chances of securing a competitive quote for your non-standard home insurance.
With a focus on bespoke, tailored insurance services, our team will work with you directly to find exactly the insurance you need, no more and certainly no less. With a wealth of expertise under our belts, our non-standard home insurance brokers will guide you every step of the way towards the insurance policy best suited to you and your non-standard property.
What are Non-Standard Properties?
Non-standard properties include:
Prefabricated Concrete Homes
Predominantly constructed after the end of WW2, there are thought to be over one-and-a-half million of these homes currently standing in the UK. Built as a means of offering affordable housing to those affected by the war, these properties require non-standard home insurance policies.
Homes in Flood-Prone Areas
Homes on flood plains, close to rivers and the coast are often categorised as non-standard as a result of their higher flood risk. To see if your home is situated in a flood-prone area, you can use information from the UK Government and Environment Agency.
Homes Constructed from Unusual or ‘Non-standard’ Building Materials
Timber-framed homes, modular constructed properties and barn (and other residential) conversions are all examples of homes that might require non-standard home insurance due to their materials and construction.
Listed Properties
These are properties considered to be of special historical or architectural significance. Most buildings built before 1850 are listed, but more contemporary buildings (again, depending on their background) can also be granted listed status.
Homes with Flat Roofs
Flat-roofed homes can be more prone to leaking and damage during inclement weather, as well as being more vulnerable to criminals. Resultantly, few insurers will provide standard home insurance to said properties.
Thatched Properties
Because thatched properties are significantly more at risk from fire, even after precautions have been taken, non-standard home insurance is almost always required to compensate for that elevated risk.
Properties Experiencing (or Have Previously Experienced) Subsidence
Timber-framed homes, modular constructed properties and barn (and other residential) conversions are all examples of homes that might require non-standard home insurance due to their materials and construction.
“How do I know if my property is non-standard or not?”
The easiest way to determine whether your house is standard or non-standard is to call up one of our specialist insurance brokers, and they’ll be able to establish which category your home falls into.
There are also certain non-property-related instances where non-standard home insurance might be required. These include if the owner is away from the property for long periods at a time, they’ve got a criminal record or a history of bankruptcy to their name.
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Why are Non-Standard Properties Harder to Insure?
Non-standard properties are typically much harder to insure than their standard counterparts because they either: inherently hold more risk, or are more expensive to repair/replace (or more often than not a combination of the two). The price of a non-standard policy is determined by several factors, including a property’s size, value, history of repairs/maintenance (or lack of) and more.
What Type of Home Insurance Do I Need?
Whether you’re a non-standard or standard home, there are various types of home insurance you can (and in our eyes, should) get. This includes contents insurance, buildings insurance or combined insurance (which comprises both contents and buildings insurance). We can offer all of the aforementioned insurance types, ensuring that we get you the best possible deal as we do so.
For non-standard properties, the insurance you opt for very much depends on the property in question. If you live in a large mansion, for instance, which is structurally sound and where the building itself isn’t at risk, but it houses a large number of valuables, then contents insurance is your best bet.
Conversely, if you live in a small thatched cottage on a flood plain, then buildings insurance is of more importance, as the building itself is at greater risk. Ideally, in the case of the latter, you’d get a combined insurance policy.
Rebuild Value: to get the most accurate, cost-effective buildings insurance, it’s worth calculating your property’s rebuild value (how much it would cost to rebuild from the ground up) as accurately as possible. To calculate your rebuild value, you can use an online calculator, or alternatively, if you want a more precise figure, you can call in a surveyor.
Why Choose Insurance By Simply?
The brokers at Insurance by Simply offer comprehensive, unbiased insurance services designed with you in mind. Drawing upon a huge pool of experience, our team will go above and beyond to ensure you get insured. Nothing is too much trouble, and we promise a friendly, helpful customer experience throughout your enquiry and purchase. Whatever property you have, no matter how unique, we’ll help you find the insurance policy you’re after with our specialised insurance services.