Non-Standard Home Insurance

Specialist protection for homes and circumstances that don’t fit a standard policy.

Not every home or homeowner fits into a standard insurance box. Whether your property has an unusual construction, you’ve experienced previous subsidence, or your circumstances are a little more complex, it can be difficult to find the right cover through mainstream insurers.

At The Yorkshire Broker, we specialise in arranging Non-Standard Home Insurance, giving you access to insurers who understand unique properties and situations, and ensuring your home is properly protected.

What is Non-Standard Home Insurance?

Non-Standard Home Insurance provides protection for properties or policyholders that fall outside normal insurer criteria.

That could be due to the type of building, its use, your personal history, or previous claims. A specialist policy offers the same essential protection as standard home insurance, covering buildings, contents, and liability, but with the flexibility to reflect your individual circumstances.

When You Might Need Non-Standard Home Insurance

If any of these apply to you, standard home insurance might not provide the cover you need, or could exclude key risks. A non-standard policy gives you the flexibility and reassurance to stay fully protected.

You may need this type of cover if your home or personal situation involves any of the following:

Structural or Property-Related

Previous history of subsidence, movement, or underpinning
Non-standard construction (such as timber-framed, flat-roofed, or listed buildings)
Homes undergoing renovations, extensions, or major works
Properties with annexes, outbuildings, or self-contained units

Occupancy or Usage

Part-let or holiday let properties
Guesthouses or bed and breakfasts
Second homes or holiday homes in the UK or abroad
Working or trading from home, including craft or small business use

Personal Circumstances

Adverse financial history or previous insurance cancellations
Criminal convictions or unspent offences
High-value or specialist contents outside standard limits

What Does Non-Standard Home Insurance Cover?

Your policy can include the same core protection as a standard home policy, plus tailored extensions to suit your situation:

Buildings Insurance

Covers the cost of repairing or rebuilding your property after damage caused by fire, flood, storm, subsidence, or vandalism, including specialist materials and construction methods.

Contents Insurance

Protects furniture, appliances, and personal belongings against theft, accidental damage, and other insured risks, with options for high-value items.

Personal Possessions Insurance

Extends your contents cover to protect items you take outside the home — such as mobile phones, laptops, jewellery, watches, and cameras — against theft, loss, or accidental damage anywhere in the UK and often worldwide.

Perfect for everyday valuables you carry with you, this ensures you’re covered whether you’re travelling, commuting, or simply out and about.

Loss of Rent or Alternative Accommodation

If your home becomes uninhabitable following an insured event, this cover helps with temporary accommodation costs or loss of rental income for let properties.

Property Owners’ Liability

Provides protection if someone is injured on your property or their belongings are damaged and you’re found legally responsible.

Home Emergency Cover

Optional 24-hour assistance for urgent issues such as burst pipes, boiler breakdowns, or security failures.

Legal Expenses

Covers legal costs for property disputes, employment issues (if you employ domestic help), or claims relating to renovations or extensions.

Examples of Non-Standard Properties We Can Cover

We can help arrange insurance for:

Properties with a flat roof or timber frame.

Homes undergoing renovation or refurbishment

Listed buildings and period properties

Annexes and multi-use homes

Holiday homes and second residences

Guesthouses or bed and breakfast businesses

Homes with previous subsidence or flood history

Whatever makes your home “non-standard”, we’ll help you find the right protection at a fair price.

Why Choose Specialist Non-Standard Cover?

Many mainstream insurers decline risks that don’t fit their standard criteria — which can leave you uninsured or paying for cover that isn’t suitable.

Specialist Non-Standard Home Insurance ensures you:

Stay covered for unique property types or uses

Have protection during renovation or building works

Receive fair, expert underwriting for complex circumstances

Can declare any personal or financial history without fear of rejection

Get tailored support and straightforward advice

Why Choose The Yorkshire Broker?

Independent advice and access to multiple specialist insurers
Experience arranging cover for complex and unusual properties
Tailored policies designed around your home and circumstances
Friendly, professional service and support with claims and renewals

We’ll take the time to understand your property and ensure you’re properly protected, no jargon, no judgement, just honest advice.

Protect Your Home — Whatever Makes It Unique

Whether you’re renovating, running a small business from home, or living in a property that insurers call “non-standard”, we’ll find the right cover for you.

Call The Yorkshire Broker today on 01924 929070 to discuss Non-Standard Home Insurance and get a tailored quote for your home.