Are there other non-standard risks?
You’ll have noticed that when you apply for home insurance, you get asked a lot of questions. These are designed to look at any other risks that are deemed non-standard by the insurer.
These could include:
- Living in an area which has a history of flooding.
- Your home has previously suffered from subsidence.
- You leave the house empty for more than 30 days at a time.
- You have tall trees growing near to the building.
- Your home is also used as a place of work.
- You have been declared bankrupt.
- You have an unspent criminal conviction.
None of these factors mean that you won’t be able to get insurance, it just means that you’ll likely be treated as a non-standard risk and as a result may find your quoted premium is higher than would otherwise be the case.
At comparethemarket.com we have insurers that cater for both standard and non-standard home insurance. The process of comparing is simple and once you’ve entered your details and answered the standard questions we’ll show you quotes from insurance providers that are prepared to insure your home.