Non-Standard House Insurance

If you live in a property that is of “non-standard construction” you will likely have had problems getting insurance in the past. That's where we can help. Our experienced brokers and tailor-made policies ensure we'll be able to help you find the cover that's right for your property, so you can rest easy knowing you're properly covered.

Key Features

  • Accidental damage to building and contents on owner-occupied properties.
  • Low policy excess.
  • We provide cover for most flat roof materials.
  • Quick and efficient claims handling service.

Key benefits

  • Public liability cover up to €3,000,000.
  • Fire brigade charges covered up to €2,000.
  • Accidental damage automatically covered for owner-occupied properties.
  • Office equipment in your home up to €4,000.
Trusted Experts for Over 50 Years


The buildings section includes cover for:

  • Loss of rent earnings or temporary accommodation costs whilst the buildings cannot be lived in as a result of an insured loss. We will not pay any amount over 10% of the building sum insured.
  • Fire Brigade charges up to €2,000 as a result of an insured loss.
  • Trace and Access up to €1,000.
  • Replacement of locks to safes, alarms, outside doors or windows following theft or loss of keys – up to €250.

The contents section includes cover for:

  • Personal money and Credit Cards – up to €350.
  • Deeds, prize bonds, registered bonds and other personal documents – up to €750.
  • Stamps or coins forming part of a collection – up to €750.
  • Domestic oil in fixed fuel tanks up to €750.
  • Top Tip #1

    If you have a flat roof, ensure it is maintained annually. We require that it is replaced once every 15 years.

  • Top Tip #2

    Your property should only be insured for its rebuilding cost.


  • Q: I bought a policy online through another insurer. The application did not ask if my property is of non-standard construction - am I covered properly?
    A: You may not be covered - contact your insurer immediately to check. Come back to us for a competitive quote if you’re not currently covered.
  • Q: Over 70% of my property is standard construction but has a non-standard extension to the rear. Am I insured with my current insurer?
    A: You may not be covered. Some insurers will deem your property to be non-standard if it has in excess of 20% non-standard construction. You should contact your insurer to confirm that you are adequately covered. Why not ask us for a competitive quote?


Change the text to: OBF are Ireland’s leading non-standard house insurance providers and are happy to discuss your requirements today, and provide a free, no-obligation quote.