Non Standard Home Insurance

How our site works

We want to show you as many insurers as possible, so that you can choose what suits you best. But, we can’t promise to show you every single insurer, because some insurers don’t want to be included on comparison websites. For customers like you who have more unusual requirements to insure your house, we felt it was best to rank insurers that provide the best range of cover across non-standard issues.

An introduction to non standard home insurance

Non standard home insurance essentially covers all those risks that are not covered in standard home insurance. This is where an insurer makes adjustments to a standard policy due to certain aspects of the insurance profile. This could mean an adjustment to the premium or a specific exclusion.

What does non standard home insurance cover?

This will cover policies which may be affected by the following:

• Properties that have been flooded or are in flood risk areas
• Properties unoccupied for a long period of time. This could be properties undergoing renovation then being sold or let. Also properties gained through inheritance.
• Criminal convictions - you must declare to your insurer or broker if anyone living in the property has a criminal conviction.
• Subsidence - if there has been a history of subsidence in the property this needs to be declared. In most cases, where the subsidence is less than twenty years ago, you will need to provide the insurer with a structural engineers report dated within the last twelve months.

Why buy non standard home insurance?

For the same reasons you would buy standard home insurance, to protect your buildings and contents. If your property is being used as security against a mortgage or loan, then the lender will insist on home insurance. To find out more about non standard home insurance and which types of property most commonly require this type of policy, read our specialist home insurance guide.