Does your property need specialist home insurance?

There are lots of things that class a home as being non-standard from an insurance perspective. Perhaps it’s built with timber frames, or it has a traditional thatched roof. Maybe you live in a conservation area, have a tennis court in your back garden, or solar panels on your roof.

If the answer to any of these is ‘yes’, you may require non-standard home insurance.

Having a non-standard home isn’t about your property being grand or stately (though it could be) but more about it having unique features that your insurance needs to reflect.

Your property’s value, location, unique structural characteristics, and more, may make it eligible for non-standard home insurance.

So, does your house qualify? See our checklist below to find out.

You may need specialist home insurance if any of the following apply:

• Total value of the property is in excess of £3million
• The property is of historical significance, e.g. grade-listed
• Unusual materials used in construction, including timber and steel frames or pre-fabricated and non-combustible materials
• Unusual roofing, including thatching, shingle and flat roofs
• The property is left unoccupied for long periods
• There are on-site sports facilities, like a swimming pool or tennis court
• Your property is an eco-home, which could include solar panels and wind turbines
• The property is situated in a flood-risk area
• The property is in a conservation area
• Subsidence has previously affected the property and remedial work, or underpinning has been carried out
• Extensive or non-standard renovation has taken place on the property
• The property is used for business purposes
• The property is used as bed and breakfast accommodation.

Within this category we also include homes undergoing building works or renovations, customers with ongoing or previous claims, convictions or CCJ’s, second homes, homes occupied by Foster Carers, shared living and those classed as Multiple Occupancy

At Towergate, we understand that there are a range of many other personal circumstances where customers may require specialised insurance and terms so our team are able to tailor the policy to meet customers’ particular needs to provide the right type of cover.

For more information, visit our Non Standard Construction Insurance page or call us on 0330 828 5543 to speak to a specialist adviser.

This is a marketing article by Towergate Insurance. The information contained is based on sources that we believe are reliable and should be understood as general risk management and insurance information only. It is not intended to be taken as advice with respect to any specific or individual situation and cannot be relied upon as such. If you wish to discuss your specific requirements, please do not hesitate to contact a Towergate Insurance adviser.