What is non-standard home and property insurance?

When it comes to protecting your property, having the right insurance in place is essential. But what happens if your property doesn’t fit the typical mould? This is where non-standard home and property insurance comes in – a vital solution for properties and situations considered 'out of the ordinary' (writes Howard Reuben, Principal, HCH Financial Services).

What does 'out of the ordinary' home insurance mean?

Non-standard insurance covers buildings and contents where the risks are unusual or higher than average. You might think your standard policy has you covered, but online comparison sites often miss important questions. If you accidentally provide the wrong information – even unknowingly – your policy could become invalid, leaving you exposed to potentially expensive losses.

So, what are classed as non-standard risks? Here are some common examples:

• Thatch and other non-standard constructions

• Adverse claims history

• Properties affected by subsidence or that have been underpinned

• Previous insurance that has been declined, refused, or cancelled

• Convictions or bankruptcy of the policyholder

• Owners who are professional sportspeople or entertainers

• Unoccupied properties

• Holiday homes and second homes

• Blocks of flats

If any of these apply to you, you might need a non-standard insurance policy to properly protect your assets.

Why it's important to get non-standard insurance right

Failing to disclose the right information when buying insurance can lead to serious consequences. If you make a claim and the insurer finds discrepancies, your claim could be rejected – or your policy voided altogether. That’s why expert advice and tailored solutions are crucial, particularly in the world of holiday lets, unoccupied properties, or anything outside the typical residential set-up.

How HCH Financial Services can help

At HCH Financial Services, we specialise in sourcing the right non-standard property insurance for your unique needs. Our clients benefit from access to a wide panel of specialist insurers, covering:

• Residential homes

• Let properties

• Unoccupied properties

• Holiday homes

• Blocks of flats

• B&Bs and guest houses

  
  

Unlike many online brokers, we don’t just complete a transaction and move on. Once you become a client, you’re added to our secure client portal, where you’ll benefit from an ongoing review service. We’ll contact you every year to make sure your insurance is still fit for purpose and delivering the best value.

Our panel of insurers includes trusted names like Prestige, Midas, Ocaso, and Ageas, providing reassurance and peace of mind.

And best of all? Our advice and recommendation service ensures you’re making fully informed decisions to protect your property and investment.

Get a quick quote today

If you own a holiday home, block of flats, unoccupied property, or anything else ‘out of the ordinary’, we’re here to help.

For a quick quote, full service, and expert advice, call HCH Financial Services on 0333 1234 536 or email advice@hchfs.com today.

Protect your property the right way – with expert non-standard property insurance tailored to you.