Safeguarding unoccupied or probate properties is essential, providing coverage against risks like vandalism and break-ins. Our specialised cover offers market-leading protection during transitional periods for property owners and legal representatives.
Holiday or Second Home
For holiday or second homes, where standard policies may fall short, InsureMy provides the crucial protection you need. We can offer all the cover you would expect for your main residence, like theft or damage, even when the property is not in regular use.
Renovation & Building Work
When properties undergo work, addressing unique risks tied to construction activities is crucial. Our customisable insurance policies can cover property owners against challenges like accidental damage, construction site liabilities, and potential delays.
Holiday Let
Essential coverage during short-term rentals is provided by our holiday let insurance. These policies protect property owners from various risks, including damage and liability issues, ensuring financial protection and peace of mind during rental periods.
Non-Standard Construction
Crucial protection for homes with non-standard construction addresses risks linked to unconventional building materials or methods. Our policies offer coverage against challenges such as increased fire risks or structural vulnerabilities.
Other Non-Standard Issues
We also extend coverage to listed buildings, large and old houses, as well as individuals with claims history, bankruptcy, or criminal convictions. Our personalised policies ensure homeowners have the security and confidence they need to navigate these distinctive circumstances.
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If your home falls under the category of higher risk compared to a standard home, obtaining suitable insurance coverage might pose a challenge. Standard home insurance policies often exclude specific risks or fail to offer sufficient coverage tailored to your home's unique circumstances. Our non-standard home insurance plans are designed to provide precisely the coverage you need, addressing the specific risks associated with your property.
What types of properties are typically covered by non-standard home insurance?
Non-standard home insurance policies are designed to provide coverage for a wide range of properties that deviate from the standard criteria. This includes properties such as listed buildings, homes with thatched or flat roofs, homes constructed with unconventional materials, and homes with a history of subsidence or flooding.
What does non-standard home insurance cover?
Non-standard home insurance policies can provide coverage for a range of risks that are specific to your home. This can include coverage for damage caused by subsidence, flooding, or fire, as well as liability coverage for accidents that occur on your property. Some policies may also provide coverage for expensive or unique features of your home, such as art collections or antique furniture.
Can I get non-standard home insurance if I have a history of claims?
Yes, you can still get non-standard home insurance if you have a history of claims. However, the cost of your policy may be higher due to the increased risk associated with your property.
How can I reduce the cost of non-standard home insurance?
There are a few steps you can take to reduce the cost of non-standard home insurance. One option is to install security measures such as burglar alarms, CCTV, or secure locks, as this can reduce the risk of theft or damage. You may also be able to lower the cost of your policy by increasing your excess, which is the amount you pay towards any claim. Finally, you can compare quotes from multiple insurance providers to find the most competitive rates.
Can I switch to non-standard home insurance mid-policy?
Yes, you can switch to a non-standard home insurance policy mid-policy. However, you should be aware that there may be fees associated with cancelling your existing policy, and you may need to provide additional information about your property to get coverage from a non-standard home insurance provider.