Ultimate Guide to Non-Standard Home Insurance
Standardization is a very exhaustive word. For homeowners, a standard house is one built with regular bricks, with a slate or tiled roof. However, bring up non-standard homes and the clarity begins to wane. What makes a house non-standard? How can you get non-standard insurance quotes online? What are the benefits of this insurance? All these queries are aptly addressed here.
What is Non-Standard Home Insurance
Ideally, this is the insurance available to homes which were constructed using unconventional materials or unconventional building practices. Insurance companies have a separate policy for them because they are usually more risky to protect, these homes include, but are not restricted to;
- Wattle and daub buildings
- Concrete homes
- Steel framed build
- Flat roofed homes
- Thatched buildings
- Timber framed buildings
- Listed buildings
- High Net Worth Homes
What does Non-Standard Home Insurance Cover?
The building is not immune to fire, vandalism, or any other form of threat. This insurance coverage will compensate you in the event of loss due to any of the factors listed. To enjoy this cover, you should carry out a detailed inventory listing, stating every valuable and the cost. This will enable the insurance company to ascertain the impact of the damage and how to compensate you accordingly.
Damage can occur to your home at any time, for any reason, without prior information. These damages may be in form of heave, landslip, or even earthquakes. It is important to note that your insurance is fully responsible for the payment and compensation as a result of the damage.
Public Liability Damage
Another very important cover is the protection of others as a result of damage to your property. For instance, if a terrible wind occurs which causes your roof to be blown away, onto the path of a passerby, hitting him on the head. You might be held responsible for the cost of hospital bills, surgery, and other expenses. With affordable non-standard home insurance, however, this is off your neck.
It also covers a host of other properties and you can know more when you compare non-standard home insurance here.
Getting Cheaper Non-Standard Home Insurance Quotes
Considering the fact that non-standard homes are always expensive to insure, you might be interested in getting cheaper deals on your insurance. Here are ways to get it.
Pay Your Premiums Annually
Insurance companies are usually considerate when it comes to giving its clients easy ways to pay for non-standard home insurance. This, sometimes, involves monthly payment. However, you should know that monthly payments are more expensive. So, you can save on your non-standard home insurance if you pay upfront.
Increase Security in Your Non-Standard Home
If you make it difficult for your home to be burgled/ vandalized, the insurance company will reward you handsomely with reduced premiums. This is a very cost-effective method, as you can install a burglar alarm, or simply change the locks. You can also have a safe installed, this is not only effective at deterring thieves, it is also a nice way to store valuables.
Build up Your No-Claims Bonus
Whenever you fail to make a claim on your insurance, you earn a no-claims bonus. The more you continue on this path, the higher your bonus gets, and the lower your premium gets.
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