Owning a unique home can be a real joy. Whether you’ve restored an old chapel, live in a converted windmill, or designed a home with unusual materials, these properties carry character and charm that standard homes often lack. But when it comes to home insurance, having a distinctive property may present some unexpected challenges. Continue reading to discover the best home insurance tips for families with unique homes and how you can keep your property protected!
Why Unique Homes Need Special Attention
Insurers tend to base their cover on predictable structures and materials. If your home falls outside these common templates, they may struggle to assess the risk accurately. For example, a cob house or a listed building may require specialised maintenance or restoration work if damaged. That can result in higher premiums, extra checks, or exclusions unless you choose a provider who understands these complexities.
Understanding Non Standard Home Insurance
If you’re living in or buying an unconventional property, you’ll likely need non standard home insurance. This type of cover is designed specifically for buildings that don’t meet the criteria of standard insurance policies. That might include homes made of timber, listed properties, or even those in high-risk flood zones.
Getting the right policy means working with insurers who are familiar with the unique features of your home. It’s not just about what the home is made of, but also how it’s used. For example, if part of your property is let out as a holiday rental, this will need to be accounted for in your policy.
Key Details That Affect Your Cover
When applying for insurance, be ready to explain your home’s materials, age, structure, and location in detail. Some homes, like barn conversions or those with extensive glass panels, may raise questions about replacement costs or structural integrity. The insurer will need to know whether planning permissions were granted for changes and how the work was carried out.
Some policies may ask for a recent survey or structural report, particularly if the property is older or has a history of movement or subsidence. Taking the time to gather these documents in advance can make the process smoother and improve your chances of securing comprehensive cover.
Avoiding Gaps in Protection
Do not assume your current policy will cover everything. Many families only find out about exclusions when they make a claim. To avoid nasty surprises, ask your provider to explain exactly what is and is not covered. If there’s any uncertainty, get it in writing.
Also, consider whether additional cover is needed. For example, unique homes often contain bespoke interiors or fittings, which may not be easily replaced. Specialist contents insurance may be necessary to reflect their value and replacement costs accurately.
Closure
Choosing the right insurance gives you more than just cover, it gives you peace of mind that your home’s character and value are safe, whatever happens. By being upfront about your property’s quirks and working with the right professionals, you can get a policy that truly fits your family’s needs.
