Non standard home insurance
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What our customers say about Apricot Insurance
P Markey
Northern Ireland
“My household claim was settled promptly and to my total satisfaction, thank you for all your help.”
C Montgomery
Lisburn, Northern Ireland
“I have bought my car insurance from Apricot Insurance for the last few years – their staff are always friendly and easy to deal with.”
D Adams
Northern Ireland
“I am delighted that you could place my van insurance as I was having difficulty with other brokers. The premium was the best in the market and your attention to detail and friendly approach made it easy for me.”
Non-Standard Home Insurance: Flexible Cover for Unique Properties
Not every home fits the criteria of a standard insurance policy. If your property has unusual features or circumstances, you may find it difficult to secure cover from mainstream insurers. Non-standard home insurance is designed to protect properties that fall outside typical guidelines. At Apricot Insurance, we help you compare non-standard home insurance so you can find the right cover for your unique home.
What Is Non-Standard Home Insurance?
Non-standard home insurance provides protection for properties that insurers consider higher risk or unconventional. This can include homes with non-traditional construction materials, unusual layouts, or special occupancy arrangements. Standard insurers may refuse cover or offer limited protection, which is why specialist non-standard policies are often required.
Properties That May Need Non-Standard Cover
Non-standard home insurance may be suitable if your property is:
- Built with non-traditional materials such as timber frame, thatch, or steel
- A listed or heritage building
- A high-value or luxury home
- A property that is unoccupied for long periods
- Used as a holiday let or second home
- Located in a high-risk area, such as flood-prone regions
Each of these factors can affect how insurers assess risk and calculate premiums.
What to Look for When Comparing Non-Standard Home Insurance
Buildings and Contents Cover
Make sure your policy accurately reflects the rebuild cost of your home and the value of your contents. Specialist properties often cost more to repair or restore.
Specialist Insurers
Look for insurers experienced in non-standard homes, as they are more likely to offer tailored cover and better claims support.
Policy Conditions
Some policies may include specific requirements, such as regular inspections or security measures. Understanding these conditions helps avoid issues during a claim.
Excess and Premiums
Compare both the price and the excess carefully to ensure the policy offers good value without unexpected costs.
Compare Non-Standard Home Insurance with Apricot Insurance
At Apricot Insurance, we make it easy to compare non-standard home insurance from specialist UK providers. Our simple comparison process helps match your property with insurers who understand its unique risks, ensuring you receive appropriate protection at a competitive price.
Whether you own a listed building, a non-traditional home, or a property with special circumstances, start comparing today and protect your home with confidence.