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What is non-standard home insurance?

Non-standard home insurance is a broad term for all types of property that do not conform to a standard definition set out by the insurance industry. For instance, a property may have a flat or thatched roof, a timber frame or be made from wattle and daub. In fact, most buildings not made of tiles, bricks and mortar will be seen by insurers as non-standard and therefore a higher risk. Non-standard insurance is our area of expertise, and we can insure every type of non-standard property.

Why do you need non-standard home insurance?

When something goes wrong to a non-standard property it is usually more expensive to fix it compared to a standard home. This is because materials are typically more expensive or because specialist craftmanship is required. That’s why having the correct insurance in place is so important.

Your house is different and that’s what makes it special. You need to protect it properly, but most insurers don’t like different. We arrange home insurance for all types of property and work closely with a panel of specialist insurers who do like different!

What is non-standard construction?

Non-standard construction essentially means that the walls are not made of standard brick or stone and there is no slate or tile roof. Please see below a list of some of the types of materials and properties we can insure.

  • Timber framed
  • Steel framed
  • Flat roof
  • Thatched roof
  • Barn conversions
  • Cob House
  • Wattle and Daub House
  • Asbestos
  • Asphalt
  • Flint
  • Prefab
  • Concrete
  • Glass
  • Fibreglass

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How much will non-standard-home insurance cost me?

There is a common misconception that non-standard insurance is expensive. Yes, prices typically start at £212.00 for buildings insurance which is higher than your standard house insurance premium. However, this is due to the specialist building materials and craftsmanship that is required. Each home is different and so it’s difficult to say how much a non-standard home insurance policies costs on average. However, the premiums reflect a fair value and because Stanhope is a broker, we search the market on your behalf for the most competitive premium and comprehensive cover.

What factors will affect my home insurance costs in general?

  • Value – The rebuild or reinstatement value is key and has a significant impact on premium.
  • Location – Where you live has a major impact on the premium. Think of the terrain and local crime.
  • Size – How big your property is and how many bedrooms is taken into consideration.
  • Materials – Anything non-standard like timber or steel can cost more to repair
  • Age – The older it is can sometimes mean its more expensive to repair
  • Security – Alarms and locks will have an impact on what you pay. Discounts can be applied.
  • Use – How often you live at the property can have significant nearing on the premium.