Is your home built from
unusual materials?
- We cover more than brick, slate and tile.
- Concrete, pre-fabricated and eco-homes covered.
- Defaqto 5 Star rated.
- Reinstatement in same materials, to original design.
Non-standard home insurance
Houses built from non-standard materials can be harder to insure because of their increased risks
Non-standard materials can cause your premium to increase because the risks that affect the property can be greater. It is typically more difficult and costly to maintain a building of non-standard construction. This is often the case with listed buildings, where traditional methods must be carried out by a specialist tradesman to preserve the historical importance of the property.
For this reason, you will likely need to source non-standard building insurance from a specialist provider like HomeProtect. The more details that you can provide, the more likely you are to find the right nonstandard house insurance at the right price for your unique property.
Specify all of the building materials used
When asking for a non-standard construction home insurance quote, bear in mind that some concrete and prefab or prefabricated reinforced concrete (PRC) homes (such as Hawksley PRC houses) have a brick façade. You need to list all of the building materials used to be properly covered in the event of a claim. If in doubt, a qualified surveyor can help.
What materials are considered non-standard?
- Timber frames.
- Steel frames.
- Concrete.
- Corrugated iron.
- Plastic.
- Glass.
- Fibreglass.
- Asbestos.
- Flint.
- Asphalt.
- Shingle.
- Eco-friendly materials including green roofs.
- Cob, and wattle and daub.
- Prefab/HUF Haus.
We also cover passive houses and zero energy buildings (ZEBs) built with non-standard construction materials.
Non-standard home insurance
- Up to £500,000 for loss or damage to the structure of your property or permanent fixtures.
- Standard policy protects the property, outbuildings and fixtures and fittings against fire, storm and escape of water.
- Public liability up to £5 million available.
- Access to a 24/7 claims helpline.
What our customers say
Your questions answered
Good to know
Our policies include up to £25,000 legal expenses cover to pay for legal support for property disputes and contract disputes.
Prefer to talk to us?
Our friendly team can answer your questions
0330 660 1000 9am - 8pm Monday-Friday
9am - 1pm Saturday
Very helpful company in initial setting up of account. Special circumstances recognised and dealt with professionally.
Mr Scott, Cheshire16 March 2017