What materials are considered non-standard?
Nowadays more and more homes are being built with non-standard materials so it’s best to check with your builder or home insurance provider before the time of renewal. Here is a quick overview of some traditionally non-standard items: asbestos, asphalt, concrete, timber, glass, shingle, thatch, flint.
Why can’t I just get standard home insurance for my heritage house?
Heritage and listed homes are usually categorised because they are of special importance to the UK. If they are architecturally of special interest or are nationally important then you cannot live in the property as you would in a normal home. Your insurance must protect the building and maintain its original features. It is for this reason that it can be difficult to find the correct level of insurance.
How can I reduce my premium?
Homeowners can take some steps to reduce the cost of their insurance premium. For example, you can install security alarms, invest in specialist paints like flame retardant coatings. Regularly clearing gutters of debris and checking for damp or cracks in the structure can also keep you aware of issues before they escalate. Inform your insurer of these safety measures at the time of comparing quotes or taking out a policy.
We have just moved home to a 17th century cottage - our insurer for the last 5 years would insure anything this old. HomeProtect came up with a competitive quote but I hadn't really heard of them before, but having read lots of reviews my confidence was boosted. The cover was also impressive and really easy to setup. Everything great so far. Review Centre, 7 August 2017
The agent asked the right questions, researched issues when he was not sure, was polite friendly and efficient. I needed insurance to cover a listed home which is empty prior to sale. Cheap but very clear what is and what isn't covered. Made sure I understood. Have recommended! Trustpilot, 27 March 2017
as we live in a 300-year old, Grade II listed home, we have little option in regard to specialist insurers, so were referred to HomeProtect. One may think that this may make the company complacent, but it most certainly does not. Any queries, there is a well informed person to handle and answer quickly and pleasantly, and renewal is not only cost effective but handled very efficiently too. This is the only home insurer I would recommend, and we have used a number over the last 40 years of house ownership. Trustpilot, 8 March 2017