Non Standard Home Insurance

If a property isn’t made of traditional materials, i.e. with walls made of stone or brick and a roof made of tile or slate, it classifies as ‘non-standard’ construction. Homes with features such as flat or thatched roofs and steel or timber frames would fall under this category, along with high-net-worth and listed buildings.

As the owner of a non-standard home, it’s important to understand the unique risks involved, as well as potential challenges you might face when taking out a mortgage and home insurance.

These properties can be tricky to finance. Issues stem from the fact that non-standard homes can be very costly to repair compared to ‘standard’ ones, often requiring specialist tradespeople, repairs and maintenance.

Insurers tend to be less keen to cover these homes, as the risk of potential claims resulting from timber and non-standard construction can be high. Arranging appropriate cover for these anomalous properties requires expertise and industry experience. It is not enough for non-standard homeowners to source their cover from generic brokers or comparison sites.

A non-standard home policy will include all the covers you would expect from a standard household policy, with added peace of mind that the insurers are fully aware of your property’s construction.

As an independent specialist, Brunel Insurance for People has the necessary market access and relationships to arrange cover for these unique homes. With a robust and comprehensive non-standard home insurance policy, you can have peace of mind that your property will be protected in the event of accidental damage, fire and storms, among other risks.

Protect your home’s individuality and feel secure with a non-standard home insurance policy from Brunel.

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