Insurance for homes that are different
Not all properties are the same. Many have been constructed using alternative methods and materials, which can make it more difficult to get the right insurance coverage.
Working from home (depending on the nature of the work) or letting your homes to lodgers may invalidate a standard home insurance policy, therefore, it is important to ensure you have the right non-standard home insurance coverage in place.
At Birnbeck Insurance Brokers, we have extensive experience in insuring homes of non-standard construction or usage, and work with a panel of insurers who understand the unique issues and risks associated with non-standard properties. It enables us to find you a policy and cover that is right for your property.
If you are looking for a bespoke non-standard home insurance policy, speak with a member of the team today on 01934 522 252 and learn how we can help assist your unique non-standard home insurance requirements with specialist insurance coverage.
What Types Of Non-Standard Home Insurance Do You Provide?
Non-standard home insurance covers a wide portfolio of types of houses and circumstances that a standard home insurance policy will not cover.
Here at Birnbeck Insurance Brokers, we understand this and provide coverage for a selection of different non-standard home requirements including:
- Non-Standard Construction/Age of Property
- Non-Clerical Business Use (working from home)
- Grade listed Properties
- Lodgers
- Holiday/Second Homes
- High-Value Home Insurance
- Properties with annexes on the same deeds
If you require protection for your non-standard building or home, please speak with an expert on 01934 522 252 now.
Non-Standard Construction Insurance
Most standard home insurance policies will quote on the basis that your walls are made of brick, stone or concrete; and that the roof is built using tiles or slate.
This limited definition does not work for many homeowners whose properties are truly individual and may have metal roofs, zinc roofs or extensions built of timber.
In order to ensure your non-standard property is protected, we offer bespoke cover for non-standard construction.
Work From Home Insurance
When working from home, care needs to be taken to ensure that you have suitable cover. Work-from-home insurance is a necessary requirement for many different job roles in this day and age.
If you complete any non-clerical business at home or if you have customers, participants or employees visiting your home, it may invalidate a standard home insurance policy.
Therefore, it is pivotal that you protect yourself with a suitable home insurance policy that will note and agree the home working element. Alternatively, you need a bespoke work-from-home insurance that ensures your equipment, staff and team are all protected when going about your work duties from home.
Insurance For Listed Properties
Not all insurers will cover a listed property under a standard home policy due to the higher costs of rebuilding these properties.
Care needs to be taken, in order to ensure that your building sum insured is adequate to cater for these costs and the longer timescales it takes to rebuild these properties.
We have a panel of insurers who can cater for the requirements of listed and heritage properties.
Lodger Insurance
The presence of lodgers can invalidate a standard home insurance policy. This needs special agreement from your insurer.
Only certain home insurers will cater for lodgers and include cover for the increased risk of damage to your property and possessions while a lodger is living with you. This type of insurance can be extended to cover liability for accident cover too.
In order to protect your assets, property and lodger within your home, it is important to work with an insurer who can accommodate this.
Holiday Home / Second Home Insurance
It is important to have suitable insurance for holiday homes that cater for longer periods of unoccupancy than the 30 days typically allowed under a standard home insurance policy.
It is important that public liability cover is included to cater for injuries to paying guests or visitors.
Whether that be a holiday home or a second home, getting a specific and personalised cover for these types of non-standard homes is pivotal to protecting both your property, equipment and also the people you are renting the home out to.
High-Value Home Insurance
High-value home insurance is necessary for homeowners who need to insure sums that exceed the values available on standard online home insurance products.
High-value home insurance caters for homeowners who own that little bit extra. Whether it is a property of significant value, unique features, or higher valued items within the home, it is likely that you will need a policy that gives a higher level and value of protection than a standard home insurance policy.
Annexe Insurance
If you have an annexe that is let out or used as an Airbnb then it is important to let your insurer know. This type of letting out is not typically covered by standard home insurance policies and you will require bespoke insurance to keep you protected.
Specialist Non-Standard Home Insurance Providers
Here at Birnbeck Insurance Brokers, we have spent many years building up a panel of insurers that can cater for most non-standard risks and ensure that your most prized assets are protected.
Our knowledgeable experts can help you navigate the pitfalls of insurance and help craft a bespoke non-standard home insurance policy that matches all your wants and requirements.
By choosing Birnbeck Insurance Brokers, you are more than just a number on a spreadsheet. We aim to go above and beyond, crafting a relationship and building an understanding of your exact needs when it comes to non-standard home insurance.
With a dedicated point of contact and continuity of service, Birnbeck Insurance is here to help assist all your non-standard home insurance requirements.
Enquire About Non-Standard Home Insurance Today
Speak with us today about your non standard home insurance requirements and get a bespoke quote from one of our experts today.
Please get in touch or call us on 01934 522 252 to see how we can help make the purchasing of insurance that bit easier. Whether you need guidance on the right cover or assistance with managing risk, we are here to help.
