InsuraHome Specialist Home Insurance
Specialist Home Insurance Tailored to Your Circumstances
Finding suitable specialist home insurance is not always straightforward. Some homes and personal circumstances do not fit the requirements of standard policies. In these situations, you may need a more tailored approach.
At InsuraHome, our specialist house insurance is designed to protect your home and the things that matter most, providing flexible cover tailored to your property and individual circumstances.
Your property may have features that make it harder to obtain cover. Alternatively, you may simply need insurance that better suits your circumstances. We’re here to help you find the right solution.
Ready to explore your options? Request a specialist house insurance quote today. Simply complete our short form to get started.
Request a Specialist Home Insurance Quote
When Specialist Home Insurance May Be Needed
You’re not alone if you’re unsure whether your property needs specialist house insurance. Below are some situations that may help you understand when specialist cover could be suitable.
Property Usage
Standard home insurance is usually designed for your main home where you live every day. You may need specialist cover if your property is used differently. This could include owning a second home, holiday let, or a property that remains empty for long periods.
Property Situation
Standard policies usually cover homes with typical risks. However, some properties may need specialist cover due to their circumstances. This could include homes undergoing major renovations or properties affected by risks such as subsidence or landslip.
Personal Circumstances
Some personal circumstances can make standard policies unsuitable. This may include having a complex claims history or financial issues such as a County Court Judgment (CCJ). In these instances, you may need a specialist policy if you have struggled to secure cover elsewhere.
Request a Specialist Home Insurance Quote
Why Choose InsuraHome Specialist Home Insurance
We take pride in helping customers find the right home insurance cover for their individual needs.
Our experienced house insurance specialists review every application individually. This helps us understand your situation and find cover that is suitable for you and your property.
We don’t take a one-size-fits-all approach. Instead, we take the time to understand your situation and provide cover that is suited to your needs.
Explore Our Specialist Home Insurance Range
InsuraHome specialist house insurance provides cover for different property types and personal circumstances.
Unoccupied House Insurance
Cover for properties that have been left unoccupied for more than 60 consecutive days, for example due to probate, renovation work or while awaiting sale.
Second Home Insurance
Cover for those who own a holiday home in the UK, whether for personal use or as a property that may be let out when not in use.
Personal Circumstances House Insurance
Flexible cover for individuals who may find it difficult to obtain insurance due to financial difficulties, convictions (spent or unspent), or where cover has previously been declined or cancelled.
Specialist Home Insurance Cover
Our non-standard house insurance can provide protection against a range of risks, including:
Fire Damage
Covers damage caused by fire, including smoke damage and damage from lightning or explosion.
Weather & Flood Damage
Covers loss or damage caused by storm, flood or severe weather conditions.
Escape of Water & Oil
Covers damage caused by leaks from pipes, heating systems and domestic appliance.
Theft & Burglary
Covers loss or damage resulting from theft or attempted theft, subject to your policy terms.
Property Owners' Liability
Covers your legal liability if someone is injured or their property is damaged in connection with your home.
Subsidence, Heave and Landslip
Covers loss or damage caused by movement of the ground beneath your home.
Frequently Asked Questions about Specialist Home Insurance
1. What Is Non-Standard Home Insurance?
Non-standard home insurance is a specialist type of home insurance designed for homes or personal circumstances that standard home insurers may not be able to cover. There are many reasons why you might need non-standard home insurance.
For example, you may own a second home that you rent out instead of living in. You may also need specialist cover if your property is left empty for an extended period while major renovation work is being carried out.
Sometimes, the location of your home means you may need specialist cover. For example, this may apply if your property is in an area that's more at risk of subsidence or landslip.
Non-standard home insurance isn't just for the property itself. It can also be suitable if your personal circumstances mean a standard home insurer is unable to offer you cover. For example, this could include having a County Court Judgment (CCJ) or an unspent criminal conviction.
2. Do I Need Buildings Insurance, Contents Insurance or Both?
When arranging non-standard household insurance, you can choose the type of cover that best suits your circumstances. There are three options available:
- Buildings insurance – covers structural damage to your home, including the walls, floors and your roof. Often it also covers permanent fixtures and fittings, such as fitted kitchens, bathrooms and built-in appliances.
- Contents insurance – covers damage or loss of your personal belongings inside your home. This may include furniture, clothing and other items you own, subject to the policy terms and conditions.
- Buildings and contents insurance – combines both types of cover into a single policy
A simple way to understand the difference is that contents are items you can take with you when you move home. On the other hand, buildings cover relates to the structure and permanent fixtures of your property.
3. Who Is Non-Standard Home Insurance Suitable For?
Our specialist non-standard home insurance is designed for homeowners whose property or personal circumstances may not be suitable for standard home insurance. These include:
- People who have personal circumstances that make it harder to obtain traditional cover
- Homeowners whose properties are considered higher risk e.g. subsidence or heave
- Individuals whose property usage differs from a standard home e.g. second homes or holiday lets
4. What Does Non-Standard House Insurance Cover Include?
The cover provided depends on the policy you choose and your individual circumstances. However, non-standard household insurance can provide cover against risks such as fire, flood, theft, escape of water and subsidence.
It may also provide cover against other risks that could damage your property or leave you financially out of pocket. For example, it may include situations if someone is injured or their property is damaged because of an incident connected to your home.
Additionally, non-standard household insurance may include cover for loss of rental income if your home cannot be lived in due to damage.
5. How Much Does Non-Standard Home Insurance Cost?
There is no fixed answer on how much home insurance costs, as the price is influenced by several factors.
For example, the cost can depend on where your property is located, the reason your home is considered non-standard, the type of cover you choose (buildings, contents or both), and how much it would cost to rebuild your home.
If you’re unsure how much it would cost to rebuild your home, there are a couple of ways to find out. You can arrange a rebuild cost assessment with a Chartered Surveyor or use a house rebuild cost calculator to help estimate the cost.
6. How Do I Get a Home Insurance Quote from InsuraHome?
With InsuraHome, the process of getting a specialist home insurance quote is straightforward. All you need to do is click the ‘Request a Quote’ button and complete the online form.
After you submit the online form, our specialist home insurance team will contact you to discuss your requirements and provide a quote.