Non-Standard Construction Home Insurance

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Non-standard construction buildings and contents insurance

When insuring your home and you know or suspect that it is of non-standard construction, you may have found that your choices for insuring property of non-standard construction are somewhat limited. Insurers are often less willing to offer quotes for non-standard construction property insurance owing to the potential additional and unknown costs associated with repairing these types of properties.

What is non-standard construction?

Non-standard construction covers a wide range of property types, including:

  • PRC - pre-cast reinforced concrete
  • Cob construction
  • Mundic block
  • Weather boarding
  • Wattle and daub
  • Metal-framed and clad - steel or cast iron - BISF and Trusteel
  • Pre-fabricated - Unity system
  • In situ concrete
  • Timber-frame construction

Properties of stone or slate construction, wattle and daub, timber-clad or other non-standard building materials can still be quite common and for these properties you need the expert advice and knowledge of an insurance professional who has access to specialist non-standard construction home insurance schemes for properties of non-standard construction.

"Wattle and daub construction if far more common than we'd realised - the QuoteRack broker knew exactly what we meant and where to look for our buildings cover."

Specialists in insuring non-standard building materials

QuoteRack brokers include this type of intermediary and by completing the QuoteRack Quotation Request Form, you will be contacted by an insurance intermediary who understands your requirements and who will be happy to assist in obtaining the best possible non-standard construction property insurance quotes.

Why are non-standard construction properties more difficult to insure?

The cost of repairing properties that are not made of standard brick walls and slate roof play a major part in the whole question of insuring property made from non-standard building materials. The building materials themselves may be obsolete or hard to come by and the number of tradesmen who are capable of repairing these properties can be lower, making it a costly business to repair a non-standard constructed property.

Examples of non-standard building materials include pre-cast reinforced concrete (or "PRC") and steel-framed (or "BISF") properties.

Non-Standard Property - Downloads

Defective Housing - the 1985 Housing Act

HM Government information about Defective Housing

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"You rarely give the materials used to build your home any real thought - until someone tells you it's non-standard construction and that few insurance companies will offer buildings insurance quotes."

"A stone cottage seemed idyllic - and we managed to find some great non-standard construction property insurance quotes very easily."