Table of Contents
Introduction to Specialist Property Insurance
Non-standard home insurance provides cover for homes that don’t fit the standard mould, including those with flat roofs or made from unusual materials, coach houses, listed properties or those with high levels of contents.
Specialist non-standard home insurance is designed for properties that are considered high-risk, such as those with a history of flooding or subsidence.
Buildings insurance is a crucial aspect of non-standard home insurance, protecting the structure and permanent fixtures of your home.
Home insurance quotes can be obtained by providing detailed information about your property, including its construction materials and methods.
Why Use Emerald For Your Non-Standard Needs?
Emerald has been covering non-standard issues and answering customer questions for well over a decade. We aim to be friendly, clear, reliable and cost-effective. We score very highly on customer reviews and all our staff are trained in the issues around freeholder buildings insurance – but we aren’t on any comparison site. AND – if we can’t help you we will let you know ASAP
To start the process for getting a quote on a non-standard building, please call us on 0330 113 7109 or email us on customerservice@emeraldlife.co.uk and we would love to hear from you.
What is Considered Non Standard
Properties with thatched roofs, flat roofs, or those made from non-traditional materials like steel or concrete are considered non-standard.
Homes with unique features, such asthose with a high-risk construction method, require non-standard cover.
Unoccupied homes or those that are let out as holiday rentals may also be classed as non-standard.
Standard home insurance often doesn’t provide adequate cover for these types of properties, making non-standard insurance essential.
Types of Properties that Require Non-Standard Solutions
Older protected buildings, including Grade 1 and Grade 2 properties, require specialist insurance due to their historical significance and unique construction methods.
Properties with non-standard features, such as timber-framed homes or those with corrugated metal roofs, need tailored cover and high-street insurers may not offer cover.
Homes in high-risk areas, such as flood zones or areas prone to subsidence, require non-standard insurance to protect against these risks.
Bed and breakfast establishments, as well as other non-standard property types, can also be covered under specialist insurance policies.
Getting an Insurance Quote for Unique Properties
- To obtain an insurance quote for a non-standard property, you’ll need to provide detailed information about your home, including its construction materials and methods.
- A comprehensive review of your property’s history, including any past claims or repairs, will also be required.
- Insurers will assess the risk associated with your property and provide a tailored quote based on this information.
- It’s essential to work with a specialist insurer who has experience in providing non-standard home insurance to ensure you receive the right cover for your property.
Calculating Rebuild Costs for Unique Homes
Calculating the rebuild cost of a non-standard home can be complex, requiring specialist knowledge and expertise. This will be needed by your insurer.
Factors such as the cost of materials, labour, and any unique features will be taken into account when determining the rebuild cost.
It’s crucial to ensure that your insurance policy provides adequate cover for the rebuild cost of your home, as well as any additional expenses, such as temporary accommodation.
Benefits of Specialist Home/Property Insurance
Specialist insurance provides tailored cover for non-standard properties, ensuring that you have the right protection in place.
Non-standard insurance can provide cover for unique features, such as solar panels or other renewable energy systems.
Specialist insurers often have a deeper understanding of the risks associated with non-standard properties and can provide more comprehensive cover.
By working with a specialist insurer, you can ensure that your non-standard home is protected against a range of risks, including fire, theft, and flooding.
Contents Insurance for High-Value Items
Contents insurance is an essential aspect of non-standard home insurance, providing cover for your belongings in the event of loss or damage.
High-value items, such as jewelry or artwork, can be covered under a specialist contents insurance policy.
It’s essential to ensure that your contents insurance policy provides adequate cover for your belongings, taking into account their value and any unique features.
A specialist insurer can help you determine the value of your contents and provide a tailored insurance policy to meet your needs.
Listed Buildings and Insurance
Listed buildings require specialist insurance due to their historical significance and unique construction methods maybe not even brick-built or stone-built, or with novel techniques that fall outside the usual and may require a separate report.
Insurance policies for listed buildings must take into account the cost of repairs and maintenance, as well as any unique features. Also what security is there is an important factor – good security may mean a drop in premium that suits you!
Specialist insurers can provide tailored cover for listed buildings, ensuring that they are protected against a range of risks. Emerald can do this for you.
Let Emerald Help You For Your Non-Standard Insurance
Emerald has been covering non-standard properties for a long time and has a super level of expertise. With trained customer agents, high customer reviews and a high level of satisfaction, we aim to meet your needs and we hope that we can help you.
Starting is simple – just call us on 0330 113 7109 or email us on customerservice@emeraldlife.co.uk and we would love to hear from you.