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
Grade 1/A and Grade 2/B listed properties
Main homes which are partly let to professionals
Main homes which are party used for short term holiday letting
Business use
Bed and breakfast
Lodgers
Court of Protection
Owned in trust
Extended unoccupancy
Second homes
Holiday homes
Previous subsidence
Adverse claims history
Adverse financial history
Declined risks
Convictions
Optional Covers Available for Owner Occupied
Key Features
- 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
Unacceptable Risks
Thatched properties
Any property with Japanese Knot Weed
Mundic Block
Wimpey No Fines Construction
Demolition Works
