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Entries close 31 March 2021.
If your home is considered to be non-standard, it’s likely that you won’t be able to obtain a quote for a standard home insurance policy. Talk to our experts about Specialist Home Insurance.
FOCUS can provide specialist cover for your home if it’s a non-standard property. For example, if it’s in a flood risk area, has been affected by subsidence, or is unoccupied.
The UK is now experiencing the worst floods on record and one in six UK properties is at risk of flooding from rivers, the sea or surface water. This can cause real difficulty in arranging insurance with many mainstream providers refusing cover.
Similarly, most standard insurers will refuse a property known to be suffering from subsidence.
Your home or property may be unoccupied for a period of time – whether due to renovations/works being carried out, a rental property empty between tenants, or a holiday let empty for the off season.
Listed buildings can also prove difficult to insure as the rebuild cost will often be significant and therefore attract a higher premium than a house of standard construction.
These are just a few areas in which FOCUS can help as a Specialist Home Insurance broker.
If your property has had historic problems with subsidence you are likely to find it difficult to purchase home insurance, even if the problem has been fixed for some time. Specialist home insurance can provide you with a policy to suit your needs.
Generally speaking, no. Standard insurance policies do not usually provide cover for unoccupied homes, which are usually classed as being left empty for 30 consecutive days or more.
Many standard insurers do not provide cover for non-standard constructions because of their added risks. There are a huge number of non-standard materials being used in modern constructions, such as asphalt, concrete, timber, glass and steel. Older properties are also made with non-standard materials like wattle and daub or flint.
FOCUS offers a range of specialist building insurance as well as specialist home contents Insurance to make sure you have the right cover for you and your home. If you need help with your home insurance needs, speak to our team of experts by filling in the form below.