There are several types of properties that might be considered non-standard, including:
Listed buildings are those of historical significance. They often require more maintenance than standard homes, and are generally built from uncommon or outdated materials. Typically, a combined buildings and contents home insurance policy for a Grade 1 listed building costs £551, compared to £219 for a non-listed building1.
These timber made buildings require non-standard home insurance as they're generally more risky to insure, especially those that are older. They cost £3161 to insure, on average.
Thatched houses are at greater risk of fire, and so are more difficult to insure. This means combined home insurance can be quite expensive, with policies for thatched roof homes costing £15331 on average.
Prefabricated houses, include modular homes, mobile homes and manufactured homes built from panels. Prefab houses cost £2191 to insure, on average for a combined policy.
These buildings can be more expensive to repair due to the materials used in construction.
1Based on Confused.com data, January - March 2024.
There are 3 types of home insurance: buildings insurance, contents insurance, and combined buildings and contents insurance.
Buildings insurance
Contents insurance
Combined home insurance
Insurers add interest when you pay monthly, so paying annually usually works out cheaper. For a combined buildings and contents insurance policy, paying monthly could cost £2252. This is almost 10% more expensive than paying annually.
Typically, the more you're able to pay towards any claims, the less your insurance costs. Just make sure you set it at an amount you can afford. Setting your excess at this level could save you up to 10%2 on your combined home insurance policy compared to choosing no excess.
Non-standard home insurance can be expensive, so finding an affordable policy that suits your needs is important. Comparing quotes is the best way to make sure you're getting a good deal.
Each year you're insured without making a claim, you get a year added to your no-claims bonus (NCB), as long as you don't cancel your policy before the full year. Insurers offer discounts for your NCB. The bigger your NCB, the bigger the discount could be.
2Based on Confused.com data, January - March 2024
"When buying non-standard home insurance, you should have a few documents ready. The deeds to your house will tell you whether it's made from any non-standard materials or has features like a brick facade. Your home survey report should also contain information that can help when getting your quote. Any safety certificates will also help, such as:
Lost, stolen, or damaged parcel? Find out what to do next. Learn how to claim refunds, report issues, and get your delivery sorted quickly.
There are many reasons why you may have cracks in the walls of your home. Cracks are more serious when they're between 5 and 15mm wide. Read on to find out more
Unsure whether your home insurance covers roof damage and repairs? Read on to find out more about roof repair from storm damage, leaks and wear and tear.
Unsure what side of the fence you own? It could be as easy as checking your title deed. Read on to find out your responsibilities and rights when owning a fence.
If you're dabbling with your own grand design, it's best to be protected for all eventualities. When building your own home, self-build insurance covers your project from buying the land until completion of the property.
Pest control could be covered as an add-on to your home insurance policy, or under home emergency cover. See how home insurance might cover pest control.
cookie usage
We use cookies, some of which are essential to make our website work. For us to use our non-essential cookies, we need your consent. You can consent by accepting all or alternatively, manage your cookies at any time. For more information, read our cookie policy.
