Non-standard Construction Insurance

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Finding insurance for a home that’s unusual, unique or quirky can be difficult. Insurers’ definition of ‘standard’ can vary greatly and often there isn’t the tick box that perfectly reflects your home. It may seem like a small issue at the time, but at the point of a claim it could become the difference between your claim being paid, and not.

At Aston Lark, we have many years of experience in helping our clients find the right home insurance for their property.

A non-standard home is one built from materials that don’t conform to the standard brick or stone walls with a slate or tile roof. Historically, non-standard construction homes are common in areas where the materials made to build them are readily available. It’s also commonplace for modern homes to be non-standard as homebuilders look to build something a little different.

The following are generally considered to be of non-standard construction:

  • Flat roofs
  • Thatched homes
  • Zinc roofs, copper roofs, green roofs, fibreglass, shingle
  • Cobb, bungaroosh, wattle and daub walls
  • Modular or prefabricated homes
  • Timber-framed or timber-clad properties
  • Homes built from Structural Insulated Panels (SIPs)
  • Concrete houses
  • Eco-homes and Passivehaus or zero-energy building (ZEB) homes
  • Huf Haus
  • Environmentally friendly additions to the home such as solar panel arrays, wind turbines, ground and air source heat pumps
  • Non-standard outbuildings including garden offices, garden studios and log cabins.

Aston Lark offers straightforward advice and competitive quotes to suit your home and personal circumstances. If your home insurance is non-standard for other reasons, we can also help.

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