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Non Standard Residential

We have built a strong reputation within the non-standard household marketplace by consistently being able to offer competitive rates on owner occupied properties including Holiday or Second Homes (Non-let), Guest Houses, B&Bs, Business from Home and/or Holiday Let Annex.

Target Sectors

Non-standard Construction
Grade 2 Listed Properties
Subsidence including underpinned properties
Criminal convictions
Adverse financial history
Adverse claims history

Works and Renovations
Risks that have been previously declined
Extended Unoccupancy
Property with Lodger(s)
Standard Household

Key Features

black and white throw pillows on gray couch
  • Damage cover extended to additional items such as solar panels, sanitary ware, domestic and underground pipes and cables.
  • Costs of alternative accommodation or compensation for loss of rental income following an insured event.
  • Costs needed to repair or replace damaged parts of the premises as a result of sourcing and accessing leaks in respect of escape of water (limited to £2,500 any one period).
  • Contents temporarily removed for reasons such as being valued, cleaned or repaired.
  • Increased domestic water charges following an escape of water claim (limited to £1,000 any one period).
  • Replacement of locks or safes following loss of keys (£500 limit any one period).

Optional Covers Available for Owner Occupied:

Legal Expenses Cover
Home Emergency Cover

Limits Available

Maximum sum insured is £2,000,000 any one risk
Property Owners Liability up to £5,000,000 any one risk

Unacceptable Risks

Thatched properties
Any property with Japanese Knot Weed
Grade 1 or A Listed Properties
Construction with Asbestos
Wimpey No Fines Construction
Demolition Works

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