It’s a common misconception that holiday home insurance policies are a one-size-fits-all offering. However, properties come in many shapes and sizes, and some naturally require more specialist, non-standard homeinsurance policies.
We’ve detailed five of the most common reasons why your holiday home may actually require non-standard home insurance.
1. Eco Homes
Eco homes are fantastic holiday home investments, but they do require specialist home insurance policies. The materials used to construct Eco Homes would generally be classed as non-standard in the insurance industry. It is imperative when shopping around that you disclose the materials used in construction as this may influence an insurer’s decision when quoting. Therefore, contacting a specialist non-standard house insurer will ensure that you have the right policy.
As chalets are uniquely constructed, they require specialist insurance to be fully protected. Your policy will be influenced by the features of the area in which the chalet is located and it is advisable to take into consideration factors such as the likelihood of flooding and the potential for burglary, theft or attempted theft. If your Chalet is a holiday home, having a local keyholder may provide peace of mind.
3. Flat roofed holiday homes
As flat roofed properties are more likely to experience damage from storms, leaks and billowing, they require non-standard insurance policies to cover the cost should these situations arise. While most standard holiday home insurance policies offer cover for roof repairs, flat roof properties are considered non-standard and therefore require specialist insurance.
4. Log cabins
While log cabins are an excellent choice of holiday home, they require unique insurance needs. After all, they’re a specialist construction, meaning they require a specialist insurance policy. Therefore, non-standard insurance policies are advised for all log cabin owners, to ensure the cover levels are adequate to protect you financially.
5. Thatched roof holiday homes
Highly experienced thatchers are becoming increasingly rare, making it a quite expensive tradition to uphold. The risk of fire damage is also extensively higher than with standard roofs. Properties with thatched roofs are also classed as non-standard within the industry and therefore require specialist non-standard house insurance.