Specialist property insurance
Non-Standard Home Insurance
Flexible home insurance for unusual construction, listed buildings, flood or subsidence history and other difficult-to-place risks.
About this cover
Some homes and personal circumstances fall outside the limits of standard household insurance. We arrange tailored cover for unusual buildings, higher-risk locations and complex circumstances — from timber-framed and listed homes to properties with previous flooding, subsidence, renovation works or a gap in cover. Every risk is considered on its individual details, subject to underwriting.
Who it's for
- Owners of homes built using non-standard materials or methods
- Owners of listed, older, large or unusual properties
- Households with previous flood, subsidence or claims history
- Homeowners whose circumstances are declined by standard insurers
What can be covered
- Buildings and contents cover tailored to the property
- Non-standard construction including timber frame, steel frame and extensive flat roofs
- Listed, pre-1900, large and high-value properties
- Homes with previous flooding, subsidence or a gap in cover
- Personal possessions, valuables and pedal cycle cover options
- Property owner's, public and domestic staff liability cover
- Renovation, business use, lodgers and paying guests considered
Get a Non-Standard Home Insurance quote
Tell us about your property and a specialist adviser will come back to you with options.
Start your quoteRelated cover
Thatched Property Insurance
Specialist buildings and contents insurance designed for homes with a thatched roof.
Property Renovation Insurance
Cover for properties undergoing refurbishment, conversion or structural works.
Unoccupied Property Insurance
Short-term and annual cover for empty properties — 3, 6 or 12 month terms available.