phone Skip to main content

Compare non standard home insurance

Find and compare non standard home insurance online in just a few minutes

Powered by

How it works

Enter your details

Get personalised quotes in minutes by providing a few home details.

Compare quotes

Find home insurance that's right for you by exploring our best deals.

Apply and save

Start saving money and apply with your chosen provider.

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:

  • Thatched roof houses: Houses with thatched roofs are expensive to repair and more liable to catch fire, so they require specialist insurance.

  • Houses with flat roofs: Flat roofs are more prone to collecting water and cause water damage. They also allow for easier access for thieves, so many insurers are reluctant to provide cover.

  • High value homes: Some insurers will not provide cover if a property is over a certain value or size. Those who do may require you to take out a non standard home insurance policy.

  • Steel or timber-framed building: These are expensive to repair, so they require specialist insurance policies 

  • Listed buildings: These are homes of special architectural or historic interest and often tend to be over 100 years old. Repairing them is usually expensive. 

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:

  • Bed-room rated insurance: In this case, your cover amount is based on the number of bedrooms you have in your property. The insurer may have a set limit  for a two-bedroom property, and a higher limit for a property with three or more bedrooms.

  • Rebuild cost: In this case, your claim limit is based on what it would cost to rebuild your home if it were destroyed.

  • Blanket cover: In this case, your claim limit is set at a standard amount, no matter what the rebuild costs may be. This is usually a high limit of eg. £1 million. So even if the rebuilt cost of your home is below that, you would still be covered up to £1 million.

Which is the best non standard home insurance policy?

That depends on a number of factors such as:

  • The type of property you own

  • Its size and value

  • The amount of cover

  • The premium you can afford to pay

Non Standard Home Insurance - Body Image

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:

  • Report it to the police, if a crime has been committed

  • call your insurance provider

  • provide as much information as you can about any damage

  • take pictures of the damage 

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. 

Home insurance Guides

Gadget insurance: Are your electronic devices covered on holiday?

Gadget Insurance: Holiday Cover for Your Devices

Low limits on travel insurance may mean your gadgets are not covered unless you take out a standalone policy

coloured doors

How much home insurance do you need?

Our guide can help you to determine how much home insurance you need. The type of policy and cover that's best for you will depend on your specific needs.

Flood insurance: How does the Flood Re scheme work?

Flood Risk Insurance: What is the Flood Re Scheme?

The Flood Re scheme could help to make home insurance more accessible and affordable for up to 350,000 homes in flood-risk areas. Our guide explains more.

Storm damage insurance cover

Storm, Wind, Rain and Weather Damage Insurance

Has your home been damaged by extreme weather? Read our home insurance guide and find out how to claim for storm damage to your building or possessions.

Home insurance, terraced houses row of windows

No claims discount for home insurance policies

Our guide explains how to save money on your home insurance by building up a no claims discount. Quickly compare home insurance quotes today with Uswitch.

coloured doors

Seven steps to cheap home insurance

Finding discount home insurance may require luck but there are genuine steps you can take to find cheap home insurance policies.

Compare non standard home insurance

Compare quotes to cover your home