Non-standard Home insurance
We able to provide insurance solutions for those risks which many insurers deem to be non-standard and traditionally difficult to place. Whether it’s because your home is used for Airbnb or you operate bed & breakfast facilities, have been affected by subsidence or flooding, or whose property is of non-standard construction, we have access to niche markets which enables us to provide terms for a number of non-standard requirements.
Non-standard home insurance
We able to provide insurance solutions for those risks which many insurers deem to be non-standard and traditionally difficult to place. Whether it’s because your home is used for Airbnb or you operate bed & breakfast facilities, have been affected by subsidence or flooding, or whose property is of non-standard construction, we have access to niche markets which enables us to provide terms for a number of non-standard requirements.
Thatched home insurance
As the owner of a thatched home, you will appreciate that the cover required cannot be offered by the majority of home insurers. We work with a handful of specialist home insurance companies who can provide thatched home insurance.
Our insurers are able to provide cover for the full range of thatched roof constructions, plus a wide variety of heating methods including open fires and wood burning / solid fuel stoves.
Our thatched home insurance companies provide cover for all the features you would expect from a comprehensive home insurance policy including cover for buildings, contents, valuables and property owners liability.
Unoccupied home insurance
There are many reasons why a property may be unoccupied, but many standard insurers will withdraw cover once a property has been unoccupied for a period of time, typically 30 days or 60 days. We have a selection of specialist unoccupied property insurance companies who will provide full cover for vacant properties, including:
- Fire damage
- Escape of water / burst pipes
- Theft / malicious damage
- Storm damage
- Accidental damage
We are also able to provide short term policies of 3 months and 6 months as well as the usual 12 months.
We receive a number of referrals from estate agents, letting agents and solicitors involved with wills, trusts and probate due to the flexible approach to cover our underwriters are able to provide individuals requiring comprehensive unoccupied home insurance.
Subsidence or underpinned property insurance
If you own a home which has previously suffered from subsidence, has been underpinned or has a history of movement, we can arrange cover through our network of non-standard home insurance companies to include the buildings, your contents, valuables and public liability.
Working with some of the best home insurance companies for non-standard insurance allows us to often provide comprehensive insurance cover without some of the unfavourable terms and conditions or additional premiums that are often applied to homes with a history of subsidence.
Home insurance for flood-risk areas
As the episodes increases, you may find you home is either situated in a high-risk flood area, or has unfortunately already been affected by flooding, we can arrange cover through our network of non-standard home insurance companies to include the buildings, your contents, valuables and public liability.
We have access to insurers who have subscribed to the Government’s Flood Re scheme which aims to make flood cover more affordable for homeowners who live in high-risk flood areas. Working with some of the best home insurance companies for non-standard insurance, we are often able to provide comprehensive insurance cover without some of the unfavourable terms and conditions or additional premiums that are often applied to homes which have been affected by, or at risk of, flooding.
Multiple claims history
Unfortunately, unforeseen events occur, damage arises and an insurance claims needs to be made. That is what we all pay our insurance premiums for. However, sometimes a recurring event or multiple unrelated incidents can occur and this can sometimes result in standard insurers withdrawing future cover or increasing premiums. In this instance, you may require cover from a specialist home insurance company. Working with some of the best home insurance companies for non-standard insurance, we are often able to provide comprehensive insurance cover without some of the unfavourable terms and conditions or additional premiums that are often applied to policyholders who have needed to make several claims.
How to obtain a quotation from Alastair James Insurance Brokers
Requesting a quotation could not be easier. Either upload your current Policy Schedule or Renewal Notice. Alternatively you can request a call back at a specific time convenient to you, or telephone the office directly.
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