If you’re a UK resident who lives in a unique, historical or other type of unique edifice, such as a thatched cottage, you may think that it’s impossible to obtain good specialist home insurance. Here’s some general information about obtaining a home insurance quote for your non-standard building.
If you live in an area that’s prone to flooding, you should know that it’s possible to purchase separate flood coverage in addition to the traditional types of homeowner’s insurance policies.Insurance specialists can help you obtain insurance that will protect you in the event of a serious loss due to flooding. Although such coverage might be hard to find, it’s well worth the effort.
Thatched Home Insurance
Thatched homes are particularly prone to fire. In addition, replacement costs for these homes are exceptionally high. Specialist house insurances designed for the owners of thatched homes will cover both the loss and the cost to rebuild.
Non Standard Home Construction Insurance
Many mainstream insurance companies will not insure buildings made from old style timber frames that are constructed using traditional or historic techniques. Prefabricated homes and chalets are also considered to be non standard homes and as such are eligible for coverage under specialist insurances.
In these uncertain economic times, more and more people are electing to build their own homes. Home insurance on a building whilst under construction should include both damage and financial loss.
Home Insurance with Criminal Convictions
Those with a criminal record are often refused insurance, but some perseverance will turn up insurance companies willing to provide coverage. Although such coverage may be expensive, the risks of not having it are greater.
Subsidence Insurance and Underpinned Homes Insurance
This type of insurance covers adverse events that affect the ground on which a home is built. Extreme weather, water or even tree removal may cause the ground to shift, damaging the home. Even in cases where the subsidence is remedied, many mainstream insurers will not cover a home with this type of damage.
Holiday Home Insurance
This insurance covers second homes or holiday homes, whether they’re used by friends and family or let on a commercial basis.
Quality specialist home insurance is available throughout the UK and is well worth the cost in the event of a substantial or disastrous loss.