Specialist Home Insurance

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.

FOCUS can arrange specialist home insurance for non-standard risks, including:

  • Flood risk areas
  • Subsidence
  • Unoccupied properties
  • Timber/steel frame construction
  • Listed building

If you need help with your home insurance needs, speak to our team of experts.

To find out more, contact us.


Specialist Home Insurance questions

My home had subsidence previously - can I still get insurance?
Will my standard home insurance policy cover my property if its unoccupied?
How can I insure my property if its of non-standard construction?

FOCUS Oxford Risk Management Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (www.fca.org.uk/register) under reference 773843.
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