Non-Standard Home Insurance

Cover made for homes that don’t quite fit the mould

‍If your home’s a little out of the ordinary, you might find standard home insurance just doesn’t cut it. That’s where non-standard home insurance comes in – designed for properties with unique features, unusual construction, or slightly more complicated circumstances.

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What is non-standard home insurance?

Non-standard home insurance is for properties that fall outside the usual definition of a standard home – the kind made of brick or stone, with a tiled roof, and occupied full-time by the owner.

Your home might be considered non-standard if:

It has a flat roof

It’s a residential let

It’s a Bed & Breakfast

It’s left unoccupied for long periods

It’s used as a second home or holiday let

There’s a history of flooding or subsidence

It’s a listed building or in a conservation area

It’s built with non-traditional materials like concrete or steel

It has been heavily altered

If any of these apply, you may need a non-standard home insurance policy to get proper cover.

What does it cover?

The level of cover depends on your needs, but most non-standard policies can include:

Buildings insurance

Cover the structure of your home, including walls, roof, and permanent fixtures

Contents insurance

For everything inside, from your sofa to your TV

Accidental damage

Help with those unexpected knocks or spills

Alternative accommodation

If your home becomes uninhabitable due to a claim

Public liability cover

In case someone is injured in your home or on your property

You can also look at optional extras, depending on how your home is used – whether that’s as a rental, second property or holiday let.

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Why go for non-standard cover?

Standard policies often aren’t built to handle the extra risk or cost that can come with unusual properties. And if your insurer isn’t aware your home is classed as non-standard, you could run into problems when it comes to claiming.

By choosing non-standard home insurance, you’re making sure your cover actually fits the way your home is built and used – so if something does go wrong, you won’t be left in the lurch.

Been declined before?

If you’ve struggled to get cover in the past or had quotes refused, you’re not alone. Insurers often avoid anything that falls outside the norm – but that doesn’t mean you’re stuck. With the right support, it’s still possible to get cover that’s straightforward, fair, and designed for homes just like yours.

Getting started →

It’s easy to get a quote – all you need are the basics about your home. That includes:

What it’s made of

When it was built

How it’s used

Any previous claims

Details of modifications or renovations

With that info, it’s much easier to find a policy that actually works for your home.

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home insurance providers you can trust

Why Choose InsureMy?

Unlike other insurance providers, we want to make insurance work for you, not your insurer.

With InsureMy

Friendly & experienced team

Over 25 years providing specialist home insurance

Third party liability cover up to £1m

Other Insurers

Lack experience in providing specialist insurance

Getting a quote and cover can be a lengthy process

Frequently asked questions

Find below some of the top FAQ's when it comes to non-standard home insurance.

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Non-Standard Home Insurance

What is non-standard home insurance?

Your home might be considered non-standard if:

What does it cover?

Landlord Insurance

Holiday Home Insurance

Second Home Insurance