What Is Non-Standard Home Insurance?

Your home is likely to be your biggest asset, getting the right Insurance policy and covers is important.

Not all homes are constructed the same. Some may have unique materials, be of older construction  or in an area which is prone to flood, but there is still the need for comprehensive home insurance to cover you for every eventuality.

In this article, we will explain what non-standard construction home insurance is, what type of properties it covers, and some frequently asked questions.

What is Non-Standard Home Insurance?

Non-standard home insurance refers to an insurance policy that covers a property or dwelling, which could be deemed a property of non-standard construction.

These specialist policies are underwritten differently from regular home insurance. They often cost slightly more as they may be protecting higher value or unique homes that present unique challenges to insurers in the event that damage occurs to the property.

What kinds of homes are classed as non-standard?

Non-standard construction insurance often covers homes that are built with unusual or historic materials. For example, our non-standard building insurance policies offer cover for homes with:

  • Thatched roofs
  • Timber frames
  • Flat roofs
  • Cob walls
  • Steel frames
  • Alternative construction materials

They can also cover listed, modular/pre-fabricated buildings, as well as heritage or historic buildings.

Is it worth buying a non-standard construction house?

This is one of the most common questions we receive about non-standard homes.

Non-standard construction homes are rarer to find than standard homes and come with both challenges and opportunities. For example, they are often more difficult to mortgage. They also come with unique maintenance requirements, for example, thatched roofs. Pre-fabricated concrete houses also are more likely to crack over time, and will likely require more frequent maintenance. Insurance for non-standard constructions also often needs to be bespoke – ‘one-size-fits-all’ approaches will not cover the property completely.

However, whether or not you may want to consider owning a non-standard build depends on your own preference. Many people are interested in these types of homes, as they want to be able to renovate to their own tastes. Or they may want to have an unusual home for the aesthetic factor. After all, your home should be as unique as you are.

Non-Standard Building Insurance with Higos

If you are  considering purchasing a non-standard home, while you will have lots of factors to consider, one you should not worry about is finding the right insurance.

At Higos, we do not  shy away from unusual homes. Our experts are on hand to help find your ideal cover at a price that suits you.

Already have a non-standard home? Get in touch today to arrange your bespoke non-standard construction home insurance with us. Just call our team on 01458 270324 or request a call back and we’ll be in touch as soon as we can.

After all, for non-standard home insurance, it has to be Higos.

Contact us

Give us a call on 01458 270324 if you have any questions or click the 'request a callback' button.