Home insurance for non-standard properties and circumstances
Standard home insurance comparison sites work well for straightforward cases — a conventional property with no claims history and a standard risk profile. When your situation is more complex, specialist brokers are often the only viable route.
Adverse credit and home insurance
A poor credit history can affect your ability to get home insurance through standard channels. Specialist brokers work with underwriters who assess your full circumstances rather than relying solely on credit scoring. Previous CCJs, defaults, or bankruptcy do not automatically make you uninsurable for home cover.
Non-standard construction
Properties built using non-standard construction methods — timber frame, thatched roofs, prefabricated concrete, steel frame, or flat roofs — are often declined by standard insurers. Specialist brokers with knowledge of these property types can access underwriters who price these risks appropriately.
Previous claims history
Multiple claims, large claims, or claims for subsidence can make standard home insurance difficult to obtain. Specialist brokers present the full context of your claims history to underwriters who can assess the actual ongoing risk rather than simply flagging a claims record.