Flood & non-standard construction insurance
- Recurring
The short answer
Flood-risk, thatch, timber-frame, listed
- Price from
- £400.00
- Time on site
- 20 to 40 minutes (online or phone consultation)
What you get
You get a bespoke home insurance policy tailored to the specific risks of your property, ensuring comprehensive cover that standard insurers often cannot provide.
See your price and free times
Enter your postcode to see the cheapest price for Flood & non-standard construction insurance near you and the next available times.
When do you need a Flood & non-standard construction insurance?
This insurance is needed when your property has features that make it difficult to insure with standard home insurance policies. This includes homes in flood-prone areas, properties with unique construction materials (like thatch or timber frame), or listed buildings with special requirements.
What happens on the day
There is no physical visit. You'll have a detailed discussion with a specialist insurance broker, who will gather all necessary information about your property and its specific characteristics to find the most suitable policy.
How to prepare
- Details of your property's construction materials (walls, roof)
- Information on any previous flood claims or flood prevention measures
- Age of the property and any listed building status
- Any relevant survey reports (e.g., flood risk assessment, structural survey)
- Details of contents you wish to insure (value and special items)
How to improve your result
- Maintain your property regularly, especially unique features like thatch roofs.
- Implement flood prevention measures if you're in a high-risk area.
- Keep records of all property maintenance and upgrades.
- Consider professional surveys to highlight construction specifics for insurers.
Why it is useful day to day
This insurance provides essential security for properties that often struggle to find cover, protecting your significant investment. It gives you confidence that your unique home is fully protected against potential risks, offering peace of mind.
Why we ask these questions
We ask about construction materials (e.g., thatch, timber, concrete), roof type, age, and any previous flood history or prevention measures. These details are crucial for insurers to accurately assess risk and offer appropriate cover for your unique property.
Frequently asked questions
Often needed alongside
- Recurring
Landlord insurance
Buildings, contents and liability for let property
- Recurring
Home (buildings) insurance
Buildings cover for owner-occupiers
- Recurring
Contents insurance
Cover for belongings
- Recurring
Commercial property insurance
Offices, shops, industrial units
- Recurring
Block & leasehold insurance
Buildings cover for blocks of flats
- Recurring
Rent guarantee insurance
Covers lost rent if tenants don't pay
- Recurring
HMO insurance
Specialist cover for houses in multiple occupation
- Recurring
Holiday & short-let insurance
Cover for Airbnb and holiday lets