Compare non standard home insurance

What is a non standard home?

In the UK, most homes are typically built using brick or stone with a tile or slate roof. Non standard homes are ones that weren't built using those typical materials.

This also includes:

Do I need non standard home insurance?

If your property can be described as any of the above mentioned categories, you’ll probably need non standard home insurance. 

In some cases, for example, if you have past criminal convictions and are finding it difficult to get home insurance, a non standard home insurance policy may be an option that you can consider.

How a property is classified as non standard can vary depending on the insurers. Most insurers will ask you the relevant questions before giving you a quote to establish what kind of property you have.

How much cover can you get with non standard home insurance?

Non standard home insurance comes in three different types:

Which is the best non standard home insurance policy?

That depends on a number of factors such as:

Are non standard homes more expensive to cover?

Non standard homes are often built using atypical materials and methods of construction. Some of these materials are hard to find, and also more prone to damage or to catch fire. 

At the same time, finding tradesmen who can do repairs for non standard methods of construction can be difficult. This means that claims costs for materials and labour can be more expensive. 

Although you can buy a separate non standard home insurance policy, it can be cheaper to combine it with a contents insurance policy. 

For more help, read our guide on how to reduce the cost of your home insurance

How to get the best deal on non standard home insurance?

As with other forms of insurance, in order to get the best deal for your circumstances is to compare non standard home insurance quotes, for the amount of cover you need.

It’s important to keep in mind that the cheapest deals are not necessarily the best deal for you. Your aim should be to make sure you get the right cover for the best price possible. 

How to make a claim on your non standard home insurance?

If anything happens to your home that you think is covered by your non standard home insurance policy, you should:

Most providers will likely have a 24 hour claims line listed in your policy agreement documents. Some providers may require you to fill out a claims form for you to complete with supporting documentation. 

Make sure you don’t proceed with any repairs before you speak to your insurance provider so that you don’t commit to any payments that may not be covered under your policy.