Is your home a listed building?
Or perhaps it has a thatched roof?
Or maybe it's made from something other
than bricks and mortar?
If any of these apply to your home, there's every chance it is classed as non-standard. This means that, unlike traditional home insurance, you would need a specific type of cover to protect your home. It's called non-standard construction insurance.
Buildings classed as non-standard property
Standard property or homes are normally built from brick or stone and their roofs are usually slate or tile. A non-standard home can be made with the following:
- Steel or wood frames
- Cob, which is a mixture of clay, water and straw, more likely found in the south-west
- Wattle, a woven wood lattice packed in by daub, a combination like cob
- Grass and peat - like some homes in Scotland
- Thatched or plastic roof tiles
Guarding against financial losses associated with renting out a property
Depending on the type of policy you require for your rental property, policies will generally include cover for a number of items as standard. These include fixtures and fittings as well as replacement of windows, locks and keys. It may also provide peace of mind for malicious damage caused by renters as well as unforeseen natural events such as subsidence. Alternative accommodation may also be included in the policy, but do read the small print.