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If you have a non-standard construction home or one that presents a higher risk, you may struggle to find home insurance at a reasonable price.
Non-standard homes are those that are unusual in some way, such as being built of unusual materials, having thatched roofs or being located in areas prone to flooding. If you're finding it difficult to get cover, our team can help. At Echo Finance, we've helped hundreds of people find the right home insurance, even if their property is built with non-standard materials.
We understand that every home is different and we'll take the time to get to know yours so we can find the right cover at the right price. We have access to a range of UK insurers, both standard and specialist, so we're confident we can find the cover you need.
To get started, simply give us a call on0800 093 4914 or fill in our online form and one of our team will be in touch.
What is a non-standard construction home?
A non-standard home is a property that has been constructed using methods or materials that are not typical in the UK, or that presents a higher risk than most homes. A standard home is one that has been built using a typical construction method - brick or stone walls with slate or tile roofs.
Examples of non-standard construction homes include:
- Properties built using non-standard construction materials, such as steel frame or timber frame houses
- Thatched roof properties
- Flat roofs or corrugated iron roofs
- Prefabricated reinforced concrete (Hawksley PRC houses for example)
- Listed buildings
- Wattle and daub homes
- Cob homes
- Unusual flats
If your home has any of these features, you may struggle to find home insurance on the open market and may need to look for specialist insurance.
Why are non-standard properties a higher risk?
There are a number of reasons why non-standard construction homes or those located in high-risk areas may be considered a greater risk by insurers. For example:
- Thatched roofs are more susceptible to fire than other types of roof
- Homes built using steel frame or timber frame construction can be more vulnerable to severe weather damage
- Homes located in areas prone to flooding or subsidence may be more likely to be affected by these risks
- Listed buildings may have unique features that make them harder to repair or rebuild if they're damaged
Non-Standard Construction Insurance
It can be difficult to find non-standard home insurance. This is because most insurers will only cover properties that are built using standard methods and materials. Non-standard construction homes are often considered to be a higher risk, which means that they may be excluded from some home insurance policies.
However, there are some insurers who specialise in providing cover for non-standard homes. These insurers will often have a greater understanding of the risks involved and may be able to offer cover at a more competitive price.
At Echo Finance, we work with specialist insurers to help provide our customers with the cover they need. We can provide quotes for a range of different types of non-standard construction homes, including thatched roofs, timber frame properties and more.
Why is non-standard construction insurance important?
Non-standard construction insurance is important because it protects your home against damage or loss. It also covers you if your home is damaged by fire, flooding, or other natural disasters.
If you live in a non-standard construction home, it is important to make sure that you have the right cover in place. This will ensure that you are protected financially if your home is damaged or destroyed.
How much does non-standard home insurance cost?
The cost of non-standard construction property insurance will vary depending on a number of factors, including the type of property, the level of cover, and the insurer.
It is important to compare quotes from a number of different insurers to find the best possible deal on your cover. At Echo Finance, we can help you compare quotes from a range of specialist insurers.
What does non-standard property insurance cover?
Non-standard property insurance covers a range of risks that are associated with properties that have been built using non-standard methods or materials. This type of insurance can cover things like fire, severe weather damage, and flooding.
It is important to check the terms and conditions of your policy to see what is included in your cover. Some policies may have exclusions, so it is important to read the small print before you buy.
At Echo Finance, we can help you find the right cover for your non-standard property. We work with a range of specialist insurers who can offer cover for a variety of risks. Contact us today for a quote.
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