Non-standard home insurance

Depending on the level of cover you choose, your policy can include: 

• Personal belongings

Whether you’re at home or away, your belongings are protected.




• Loss or damage

Cover if your home is broken into and your possessions are stolen, or your buildings or items are damaged by natural events like fires, storms or floods.




• Alternative accommodation

If your home is left uninhabitable by an insured event, alternative accommodation will be provided for yourself, your family and your pets.




• Garden cover

For those with green fingers – you’re insured on your sheds, plants and equipment.




• Trace and access cover

With trace and access cover, you’re not just covered for the cost of repairing a water or oil leak, but also any damage caused when tracing the source of the leak. This can also include damage to the garden and other outdoor areas.




• Additional items

Get cover for items some insurers forget, like damaged solar panels, sanitary ware, cables and domestic and underground pipes.

• Loss or damage on an unoccupied home

Depending on your chosen policy, your buildings or contents can’t be covered if you’re away for more than 30, 45 or 60 days in a row.




• Certain damages

Such as damage caused by wear and tear, vermin and insects, fungus, damp, light, wet or dry rot.




• Contractors working on the premises

Cover doesn’t include damage to your property or liability arising from any major works they’re carrying out. For this type of cover, you might need renovation insurance.