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Home Insurance

Non-Standard Home Insurance


It is relatively easy to insure a ‘standard’ house. Most home insurers fall over themselves to insure that mythical 3-bed semi in a zero crime, zero potential claim area.

However, what if your property is an unoccupied house or home, or your policy has been canceled due to a non-disclosure or is deemed a high-risk home insurance category?  Usually, insurers will tell you where to go, but not so at We specialize in non-standard house insurance and the unusual. Here are some of the area’s that we can help with:

  • Unoccupied property insurance (both residential & commercial, with various cover options).
  • Properties under renovation (comprehensive ‘all risk’ cover available).
  • Properties with a claims history (We can source cover for homes with multiple previous claims).
  • Properties in a flood area.
  • Subsidence history/underpinned properties.
  • A homeowner with previous convictions.
  • A client that has had a policy canceled due to a non-disclosure.
  • High-value property or contents policies.
  • Non-standard occupations.
  • Private homes with businesses attached.
  • Properties with flat roof’s (Up to 100% flat roofs considered).
  • Non-standard construction (including Log cabins, Timber buildings, Eco homes etc.).


The above list is not exhaustive, we deal with over 20 home insurers and underwriters, so ask us a question on our live chat or contact us on 0818 919699 today or complete our online form and we will do all we can to help.

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Your Details

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Or if new policy, please select the policy start date.

House/Property Details

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If different to above

As close to the year as possible if exact year not known.

Slate roof, etc. If flat roof, please advise what % of the overall roof is flat.

Additional Factors

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Please provide details of any claims in the past 6 years (be it on this property or any other property owned or controlled by you, or any other policy type such as motor or travel if none please state none).

Sums Insured

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Insured value in Euro. If you are not sure about this figure, contact us or click here for the SCSI rebuilding guide.

Not what the landlord has provided.

This optional section covers personal items covered when outside the home.

Please state what you need covered and each items value.

Cover Details

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This is the amount you pay in the event of a claim. What amount would you be happy to pay? (A higher excess can often reduce your premium)

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