Non-standard home insurance

Protection for your unique property

Bespoke cover, built for your home

What makes your home unique, can often make it expensive to maintain. That’s why it’s important to get insurance that covers the cost of replacing uncommon materials and repairing unusual structures. At Wesleyan Financial Services, we’re here to help you find the perfect policy, from our panel of leading providers.

  • Protect your home from the inside out, with cover for buildings and contents 
  • UK based 24/7 claims helpline
  • Alternative accommodation if your home is uninhabitable
  • Protection you might not expect, including key cover and home emergency assistance
  • Free Total Home Protection as standard

What’s a non-standard home?

Non-standard homes come in all shapes and sizes, meaning off-the-shelf policies don’t always fit the bill. If you’re looking for a bespoke policy, we can cover:

  • Cob houses
  • Wattle and daub houses
  • Timber houses
  • Prefab houses
  • Glass & fibre glass houses
  • Steel frame homes
  • Flat (green) roof homes
  • No-fines houses
  • Properties of unusual construction

What’s covered?

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

Type of cover
How it works
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.

What’s not covered?

  • 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.

What’s Total Home Protection?

We want to give you peace of mind that your home is always protected. That’s why we add our Total Home Protection to every insurance policy as standard, meaning you’ll get:

Type of cover
How it works
Home emergency assistance
Our network of registered tradespeople is on-hand 24/7 to fix your domestic crises like a burst pipe or heating breakdown.
Pest removal cover
Unwelcome guests? We’ll cover the cost of removing a pest infestation.
Family legal expenses
We’ll protect you against issues such as employment disputes and neighbour problems up to a limit of £50,000.
Key cover
Misplaced a key or have a broken lock? We’ll cover it to save you paying an excess or losing your no claims bonus.
ID theft protection
There’s only one ‘you’, so let’s keep it that way. If your identity is stolen, we’ll create a personal action plan to get it back.

Frequently asked questions

  • Why use a broker?
    Insurance is complicated and buying the incorrect policy can be costly. At Wesleyan Financial Services, it’s our aim to take the hard work out of finding the right policy for you and your home. Rather than getting quotes from multiple insurance providers, you can just speak to us and let our team invest their time on your behalf to make sure you’re fully protected.
  • I've claimed on other home insurance policies in the past - can you cover me?
    We work with several insurance providers and even have our own specialist department, so it will depend on their terms and on the claims you’ve previously made. We’re happy to invest our time into finding the best option for you, so the best next step is to speak to our team and discuss your circumstances.
  • I'm looking to build an extension on my house - does this matter?
    Yes it does. We’d recommend you get in touch with us before you sign any contracts with your contractor/builder, so we can discuss what the insurers will need to know to keep your home insured correctly.
  • When would my cover start?
    It can start as soon as you take out the policy. Or, if you have a specific date in mind (perhaps you’re about to move to a new home), we can schedule the policy to start at any point within 30 days.
  • How do I pay my premiums?

    You can pay for your non-standard home insurance annually or monthly, to suit you. Just ask us what your monthly premiums would be.

    Wesleyan Financial Services Limited is a credit broker and where the monthly payment option is taken we will introduce you to Premium Credit Limited. They pay variable commission to us which could impact the interest rate you pay, now or in the future.

  • Will there be an excess on my policy?
    Yes, like most insurance policies, there is an excess to pay in the event of a claim. However, you can choose what you’d like the excess to be, and we also offer Excess Protect cover which allows you to claim your excess back (limits apply).
  • What is the claims procedure?
    Any claims you need to make can be made directly through your policy provider. However, we are always available and happy to help if you need any assistance.
  • My home is worth more than £1 million – can you cover me?
    Homes worth more than £1 million are better suited to our high-value home insurance. You’ll get comprehensive buildings and contents cover designed to protect all your prized possessions.

Important information

Limits and exclusions apply. Full terms and conditions of the policy and cover, including the policy benefits and exclusions will be contained in the Policy Wording and Policy Summary (available at the time of receiving a quote). Risk must be acceptable to underwriters at normal term.

Wesleyan Financial Services is a credit broker and our insurance products are provided by a number of insurers.