Home insurance for non-standard properties: a simple guide | Compare the Market

Home insurance for non-standard properties: a simple guide

Home insurance for non-standard properties: a simple guide

If you live in a house with a thatched roof or go away for more than 30 days at a time, insurance providers may consider you ‘non-standard’. Find out here what that means for your premium.

Chris King From the Home team
3
minute read
posted

Will having a non-standard property make my insurance more expensive?

Maybe. When it comes to buildings insurance, part of your premium is based on how much your property would cost to rebuild. If your property is made from non-standard materials, they could be harder to source or the methods of construction be less commonly used. This may result in specialists being required to help with construction, which could push up the rebuild cost. If you’re not sure how much it would cost to rebuild your property, don’t worry, we’ll help you with this when you get a quote.

Will having a non-standard property make my insurance more expensive?

Are there any other risks with non-standard properties?

You may have noticed that when you apply for home insurance, you get asked a lot of questions. These are designed to root out risks that an insurance provider is taking on. These might include: 

  • living in a flood-risk area
  • living in a property that’s previously suffered from subsidence
  • leaving the house empty for more than 30 days at a time
  • having tall trees growing near the building
  • using your home as a place of work
  • having been declared bankrupt
  • having an unspent criminal conviction
  • having a large flat roof

But don’t worry, none of these factors mean you won’t be able to get insurance.

At Compare the Market, we have insurance providers that cater for both standard and non-standard home insurance. The process of comparing is simple. Once you’ve entered your details and answered some questions, we’ll show you quotes from insurance providers that are prepared to insure your home.  

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