It is an insurance policy that can protect properties that are not of standard construction.

Properties that can be insured with a non standard policy include:

  • Thatched properties: These can be expensive to repair, and can suffer extensive fire damage so need specialist cover.

  • Houses with flat roofs: These are more likely to leak and suffer weather damage and can give thieves better access to your property, so not all insurers cover them.

  • Listed buildings: Most are over 100 years old and can be very expensive to repair using traditional materials and methods.

  • High net worth homes: Some insurers do not cover properties over a certain value, or with more than six bedrooms so you need a non standard policy.

  • Unusual construction properties: This includes steel or timber framed buildings, because they can be expensive to repair.

Non standard home insurance may also be able to protect homes at risk from flooding, or properties that have suffered subsidence damage.

Why do you need specialist cover?

Non standard properties are more likely to suffer damage or theft and can be more expensive to repair than other homes.

When you look for policies, work out what cover you need to make sure your buildings and contents are fully protected.

This comparison includes insurance companies and brokers that can cover non standard homes, and shows what cover levels each offers.

Compare as many quotes as possible to find the best policy for your property.

Non standard home insurance FAQs


What is a standard construction property?


Any property with brick or stone walls and a slate or tile roof. Any home different to this may be considered non standard by insurers.


Why do I need specialist cover for my non standard home?


To make sure your home is protected against the risks and expensive claims that are more common with non standard construction properties.


Do I need to insure my non standard home?


It could cover the complete cost of rebuilding your home if it is severely damaged, but it is not a legal requirement.


How can I save money on my non standard home insurance?


Use this comparison to shop around to find the best deal. You can also read these eight tips to cheaper home insurance.

About our home insurance comparison


Who do we include in this comparison?


We include non standard home insurance available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.