• Car
    • Car Insurance
    • Specialist Motor Insurance
    • Motorbike Insurance
    • Young Driver Insurance
  • Home
  • Life
  • Health
    • Health Insurance
    • Specialist Life Insurance
  • Travel
  • Sports
  • Student
  • Commercial
    • Commercial Property Insurance
    • Services
  • Over 50
  • Other
    • Pet Insurance
    • Other Insurances
  • Income
  • News
Insurance Supermarket
Insurance Supermarket
  • Car
    • Car Insurance
      Compare Convicted Driver Insurance

      Compare Convicted Driver Insurance

      Compare Car Insurance Quotes

      Compare Car Insurance Quotes

      Types of car insurance policies

      Types of car insurance policies

      Prestige Car Insurance

      Prestige Car Insurance

    • Specialist Motor Insurance
      Compare Gap Insurance

      Compare Gap Insurance

      Compare Imported Car Insurance

      Compare Imported Car Insurance

      Compare Kit Car Insurance

      Compare Kit Car Insurance

      Compare Caravan Insurance

      Compare Caravan Insurance

    • Motorbike Insurance
    • Young Driver Insurance
  • Home
    Compare Home Insurance

    Compare Home Insurance

    Thatched Roof Home Insurance

    Thatched Roof Home Insurance

    Unoccupied Home Insurance

    Unoccupied Home Insurance

    Specialist Home Insurance

    Specialist Home Insurance

    Tenants Contents Insurance

    Tenants Contents Insurance

  • Life
    Life Insurance Policy Types

    Life Insurance Policy Types

    Mortgage Protection Insurance

    Mortgage Protection Insurance

    Income Protection Insurance

    Income Protection Insurance

    Life Insurance

    Life Insurance

    Dental Insurance

    Dental Insurance

  • Health
    • Health Insurance
      International Health Insurance

      International Health Insurance

      Health Cash Plan

      Health Cash Plan

      Health Insurance

      Health Insurance

      Company Health Insurance

      Company Health Insurance

    • Specialist Life Insurance
      Multiple Sclerosis

      Multiple Sclerosis

      Obesity

      Obesity

      Impaired Life Insurance

      Impaired Life Insurance

      Mental health

      Mental health

  • Travel
    Compare Travel Insurance

    Compare Travel Insurance

    Travel Insurance

    Travel Insurance

    Volcanic Ash Cover

    Volcanic Ash Cover

    Ski Travel Insurance

    Ski Travel Insurance

    Travel Insurance Cover For Repatriation

    Travel Insurance Cover For Repatriation

  • Sports
    Sports Injury Insurance  Cover

    Sports Injury Insurance Cover

    Adventure Sports Travel Insurance

    Adventure Sports Travel Insurance

  • Student
    Young Driver Insurance

    Young Driver Insurance

    Student Room Insurance

    Student Room Insurance

    Student Bicycle Insurance

    Student Bicycle Insurance

    Student Car Insurance

    Student Car Insurance

    Students Contents Insurance

    Students Contents Insurance

  • Commercial
    • Commercial Property Insurance
      Tradesman Insurance

      Tradesman Insurance

      Beauty Salon Insurance

      Beauty Salon Insurance

      Shop Insurance

      Shop Insurance

      Surgery Insurance

      Surgery Insurance

    • Services
      Truck Insurance

      Truck Insurance

      Taxi Insurance

      Taxi Insurance

      Van Insurance

      Van Insurance

      Taxi Fleet Insurance

      Taxi Fleet Insurance

  • Over 50
    Over 50s Travel Insurance

    Over 50s Travel Insurance

    Over 50s Private Medical Insurance

    Over 50s Private Medical Insurance

    Over 50's Life insurance

    Over 50's Life insurance

    Over 50s Home Insurance

    Over 50s Home Insurance

    Over 50s Health Insurance

    Over 50s Health Insurance

  • Other
    • Pet Insurance
      Compare Horse Insurance

      Compare Horse Insurance

      Compare Horsebox Insurance

      Compare Horsebox Insurance

      Horse Insurance

      Horse Insurance

      Horsebox & Trailer Insurance

      Horsebox & Trailer Insurance

    • Other Insurances
      Trailer Tent Insurance

      Trailer Tent Insurance

      Will Writing

      Will Writing

      Guide to Wedding Insurance

      Guide to Wedding Insurance

      Musical Instrument Insurance

      Musical Instrument Insurance

  • Income
  • News
Specialist Home Insurance

Specialist Home Insurance

Home

Certain properties do not fit perfectly into a box marked ‘standard’, say, if they have a thatched roof or are listed buildings. Unique homes are attractive to look at, however, they can prove difficult to insure.




Should you own or be planning to buy a ‘non standard’ property, it is highly advisable to consider specialist home insurance, or non standard home insurance.

Risk of Flood

One out of six homes in England is at some risk of flooding. You can check if yours is one of them by visiting the Environment Agency’s website at www.environment-agency.gov.uk. Your home insurance premiums are definitely going to be affected should you live in a flood risk area. So, you will need to get specialist cover.

Thatched homes

Properties with thatched roofs are normally old and at a higher risk of fire damage than homes that have a more standard construction. Hence, most standard insurance companies are wary of insuring them. Therefore, it is vital that you put in place appropriate cover just in case you need to make a claim. Otherwise you may be left with a very costly repair bill.

Subsidence

Shrinkage of clay soil in dry weather is the key cause of subsidence in the UK. Clay soil is most common in the South East; therefore, properties within that area are particularly vulnerable.

Moreover, trees can greatly impact the soil as they absorb a lot of moisture from the soil. Subsidence claims can prove expensive, costing insurance companies £175m in 2009 alone. Hence, you can anticipate paying a higher premium for buildings insurance should your property be prone to subsidence. The policy terms and conditions may also differ from standard cover.

Listed buildings

Listed buildings are legally protected. Therefore, you usually require special permission to undertake any repairs or alterations. You can even use a specific kind of material or technique, which can prove costly. Listed building owners normally need specialist help to get appropriate cover.

Unoccupied properties

Standard home insurance policies do not normally provide cover for a property which has been left unoccupied for more than 30 days. So, say if you know that you are going to be away from home for around a month, you are going for a long stay in hospital or you are off on a lengthy overseas trip, you ought to ensure that you get sufficient cover to protect your property and possessions.

Farms

A farm is a business and a home, so, standard home insurance cover is not adequate for a farm. Therefore, a specialist house insurance policy is a necessity for this set of circumstances.

Non Standard Construction Insurance

Should your home have brick walls and a tiled roof, you can be quite sure that that an insurance company is going to classify it as ‘standard construction’. There are many properties that are more unusual, for example, they may have a timber frame or have been constructed by use of traditional wattle and daub. In such cases you need a specialist buildings insurance policy to make certain you have adequate cover.

Self Build Insurance

Should you opt to build your own home you are going to need specialist self-build home insurance to cover the property during that project. This cover will provide you with protection from damage to your property due to flood, fire, vandalism or storm damage. It also provides cover for the tools you are using for the self build. Should you be employing individuals to help out with the self-build, then you are going to benefit from employer’s liability insurance which will provide cover for any damages claim should anyone get killed or injured over the duration of the project.




Explore Home Insurance

Property Insurance Options

  • Home Insurance
  • Landlords Insurance
  • Buildings Insurance
  • Contents Insurance
  • Household Appliance Insurance
  • Park Home Insurance
  • Holiday Home Insurance
  • Specialist Home Insurance
  • Flood Risk Insurance
  • Thatched Roof Home Insurance

Related Insurance

  • Office Insurance
  • Pub Insurance
  • Shop Insurance
  • Campervan Insurance
  • Caravan Insurance
  • Life Insurance
  • Car Insurance
  • Income Protection Insurance
  • Mortgage Protection Insurance
  • Health Insurance
  • Dental Insurance
  • Travel Insurance
  • Over 50’s Insurance

 

Facebook Twitter Google+ LinkedIn Pinterest Tumblr VKontakte WhatsApp

Related Articles

Coventry launches travel insurance package

Coventry launches travel insurance package

Car insurance premiums rising at fastest ever rate

Car insurance premiums rising at fastest ever rate

Car insurance premiums hit record levels

Car insurance premiums hit record levels

Latest News

  • This RSS feed URL is deprecated

    23rd April 2018 - ...

  • Holbrook Insurance Center Offers Cost-Effective Auto Insurance in Braintree and Meredith New Hampshire - Digital Journal

    23rd April 2018 - Holbrook, MA -- (ReleaseWire) -- 04/23/2018 -- Holbrook Insurance Center is a reliable ind ...

  • Car insurance injury claims lowest this decade - Rochdale Online

    23rd April 2018 - The number of personal injury motor insurance claims has fallen to the lowest level in alm ...

  • Experienced Drivers Pay Less for Car Insurance - Markets Insider

    23rd April 2018 - Insurancecarsinsurance.com is an online provider of life, home, health, and auto insurance ...

Retrieve Quotes

Looking for a specific insurance quote? Select one of the categories below and start the process.

Go




Advertisement


abortion pill


  • About
  • Contact Us
  • Disclaimer
  • Advertise
  • Privacy Statement
  • Back to top
© Insurance Supermarket 2017. All rights reserved.