Specialist Property Insurance for Homes Others Won't Cover
An independent Hampshire insurance broker arranging home, landlord, holiday home, unoccupied and non-standard property cover for clients across the UK.
Welcome to Specialist Insurance Solutions
Some homes don’t fit a tick-box online quote. A timber frame, a period property, a let portfolio, a house standing empty after a bereavement, these are the risks we arrange cover for every day. Speak to a named adviser who understands your property and the insurers who will underwrite it.
Independent Insurance Advice Since 1999
Specialist Insurance Solutions Limited is an independent insurance intermediary incorporated in 1999 and authorised and regulated by the Financial Conduct Authority (FRN 305502). We arrange personal insurance for high-net-worth individuals and for almost every residential scenario, alongside commercial cover for a wide range of professions.
Because we are independent, we are not tied to any single insurer. We compare specialist markets that price-comparison sites cannot reach, and we recommend the policy that genuinely fits your circumstances rather than the one that happens to be cheapest on screen. Everything we do is built on three principles: simplicity, clarity and confidence.
Insurance Made Easier, in Experienced Hands
Insurance isn’t the most exciting item on your to-do list, and making a claim is rarely pleasant, particularly when life is already busy. Our job is to take that weight off you: to simplify the process, explain your cover in plain English and make sure your policy responds the way you expect when something goes wrong.
You will have a personal account manager who knows your name and your property. No call centres, no starting from scratch each time you ring. If we say we’ll call you back, we do. You can hear from us as often or as little as you like; you set the pace.
SIMPLICITY
The simplicity of one personal account manager on your side, who knows you and can streamline your insurance portfolio.
We know that clients value open communication and continuity of relationships, so we’re easy to reach and respond swiftly.
Your personal account manager will be your key point of contact. We can help simplify your insurance – reducing the number of policies, renewals and premiums you manage. Better value often results from such a portfolio approach.
CLARITY
Clarity through our expert independent advice and transparent explanations.
‘Non-advice’ brokers simply present quotes and terms. The onus is on you to select an option and hope you get it right. Unless a loss occurs, your renewal may be the broker’s next point of contact with you.
In contrast, we give expert unbiased advice. Our independence means we aren’t tied to specific insurers. We recommend the best solutions for your needs, explaining each in plain English to help your decision process. Only specialist insurers with exceptional claim services and strong financial ratings are considered.
CONFIDENCE
We understand policies, so you can have confidence in your insurance, trusting it to respond as you would expect after an issue.
Unusually for a broker, we have +25 years’ experience of underwriting policies and researching client needs whilst at specialist insurers. So, we know what insurers seek in terms of risk selection, risk management and underwriting.
Truly understanding insurance contracts means we can clearly explain what is or isn’t covered and whether exclusions/conditions exist. This gives more clarity upfront about how your insurance will respond after a loss. Such insight gives more confidence and helps avoid the surprise or stress that many experience when making a claim.
Insurance We Arrange: Products and services available
Every property and every owner is different. Below are the areas we’re asked about most often, if your situation isn’t listed, it’s still worth a conversation, as unusual risks are our normal work.
Excellent
Trustpilot
about 13 days ago
Amy was very helpful in every way.
Amy was very helpful in every way and took the time to answer all my questions to my satisfaction although, it was not a working day.Thanks, Amy, for all your help.
about 14 days ago
Very straightforward process
Very straightforward process. Clear information provided, thank you. Competitive pricing too. All in all a 1st class service that I would recommend
about 16 days ago
Amy was a great communicator
Amy was a great communicator, she ensured I understood the policy I was taking out, when I questioned a point she took the time to look into it further and came back quickly with a positive response. I felt I could trust Amy to give me the correct policy for my needs. Well done and thank you.
about 22 days ago
Competitive Quote Received
Adam has been very helpful and has offered a competitive quote for a non standard property. He has provided emailed quotes as requested in a timely manner and the process for setting up the home insurance went well. When some of the details were at first asked to be changed Adam dealt with this quickly and it resulted in a reduction in the original quote. I am happy to recommend.
about 1 month ago
Very helpful and thorough, providing good service.
Amy was very helpful and thorough. She & SIS provided a very competitive quote for my holiday home insurance. I am happy to recommend them. Great service
about 1 month ago
Great service and competitive quote
I contacted Specialist Insurance Solutions for a quote covering a particular set of circumstances. Adam was very helpful and provided a quote which, unfortunately, on this occasion, we weren't able to accept (through no fault of Adam's). Hover, I would have no hesitation in recommending SIS as the service provided was excellent.
Who We Work With
We’re usually contacted by people who have already been declined online, quoted an uncomfortable premium, or told their circumstances are “too complicated”. That’s the work we’re built for.
Owners of unusual or period properties
Listed buildings, converted barns, timber and steel frames, and homes with flat or green roofs.
Landlords and property owners
Single lets, portfolios, HMOs, student and DSS tenancies, blocks of flats and mixed-use buildings.
Executors, families and homes in probate
Empty properties following a bereavement often need cover in place quickly and under the right terms. We can arrange it the same day where required.
High-net-worth households
Where the value of the buildings, contents or valuables exceeds what a standard policy will entertain.
People with a claims history or non-standard circumstances
Previous subsidence, flood or escape-of-water claims, unspent convictions, bankruptcy, or a property near a watercourse. A declined quote online is not the end of the road.
Why Comparison Sites Decline Certain Properties
Price comparison sites are built for volume. Their underwriting rules are automated, so anything that falls outside a narrow definition of “standard” is refused rather than assessed. Common triggers include non-standard construction, extended unoccupancy, subsidence history, flood-risk postcodes, holiday or short-term letting, high rebuild values and unusual occupancy arrangements.
A specialist insurer will look at the same property and ask better questions: what is the roof actually made of, what remedial work has been done, how is the property monitored while it’s empty. That’s where a broker earns their place, we present your risk properly to insurers who understand it, rather than letting a form reject it in twenty seconds.
Get In Touch For Expert Property Insurance Advice
- 02380 736266
- Email:info@sis-ltd.co.uk
- Based in Eastleigh SO50 9PD
How to Arrange Cover With Us
Price comparison sites are built for volume. Their underwriting rules are automated, so anything that falls outside a narrow definition of “standard” is refused rather than assessed. Common triggers include non-standard construction, extended unoccupancy, subsidence history, flood-risk postcodes, holiday or short-term letting, high rebuild values and unusual occupancy arrangements.
A specialist insurer will look at the same property and ask better questions: what is the roof actually made of, what remedial work has been done, how is the property monitored while it’s empty. That’s where a broker earns their place, we present your risk properly to insurers who understand it, rather than letting a form reject it in twenty seconds.
1. Tell us about the property
Call, email or complete the enquiry form. A short conversation is usually enough for us to understand what needs insuring and any features that make it unusual.
2. We approach the right insurers
We take your risk to the specialist markets most likely to write it, rather than sending it to everyone and hoping. Where more information is needed, we tell you exactly what and why.
3. We explain the options
You’ll get a clear comparison of the cover available, what’s included, what’s excluded and which conditions apply, with our recommendation and the reasoning behind it.
4. We stay with you
Your account manager remains your point of contact through the year, at renewal and, if it comes to it, throughout a claim.
Why Use a Broker Instead of a Price Comparison Website
A comparison site sells a standard, off-the-shelf policy and leaves you to judge whether it fits your home. If it doesn’t, you usually find out at the point of claim, when an exclusion, a condition or an undervalued sum insured reduces or invalidates the settlement.
We take the time to understand your circumstances, explain your options in plain English and arrange cover that genuinely matches the risk. You get a named adviser who knows your file, supports you at renewal and acts on your behalf if you need to claim. Our advice costs you nothing extra, we’re remunerated by the insurer, and in many cases specialist markets are also more competitively priced than the online quote you started with.
Based in Hampshire, Arranging Insurance Across the UK
Our office is at Fleming Court Business Centre in Eastleigh, Hampshire (SO50 9PD), a few minutes from Southampton and easily reached from Winchester, Fareham, Portsmouth, Romsey and the wider Solent area. Clients across Hampshire, Dorset, Wiltshire, Surrey, Sussex and the Isle of Wight regularly work with us in person.
We also arrange cover for property owners throughout England, Scotland, Wales and Northern Ireland, as well as UK residents with holiday homes overseas. Most advice is given by phone, email or video call, whichever suits you, you don’t need to be local to work with us.
Regulated, Experienced and Independent
Specialist Insurance Solutions Limited has been arranging insurance since 1999 and is authorised and regulated by the Financial Conduct Authority under firm reference number 305502, which you can verify on the FCA Register. We are a wholly owned subsidiary of TAADA Holdings Limited, registered in England and Wales (16680940).
Our advisers came to broking from underwriting, with more than 25 years spent inside specialist insurers assessing exactly the kinds of risks we now place. That background is why we can be direct with you about what a policy will and won’t do, and it’s reflected in our independent Trustpilot reviews.
Frequently Asked Questions
What does Specialist Insurance Solutions do?
Specialist Insurance Solutions Ltd is an independent insurance broker based in Hampshire. We arrange tailored cover for individuals, landlords, property owners and businesses – including home, high net worth, non-standard property, landlord, unoccupied, holiday home, commercial property and specialist motor insurance. Our focus is on personal service and finding suitable cover for clients whose needs don’t fit a standard online policy.
Are you authorised and regulated?
Yes. Specialist Insurance Solutions Ltd is authorised and regulated by the Financial Conduct Authority, reference number 305502. You can verify these details on the FCA register. We are a wholly owned subsidiary of TAADA Holdings Limited (registered in England and Wales: 16680940).
Do you compare more than one insurer?
Yes. As an independent broker we have access to multiple insurers and specialist markets, so we can source and compare cover rather than being tied to a single provider. This is particularly valuable for properties and risks that comparison sites and direct insurers often decline.
Which areas of the UK do you cover?
We are based in Eastleigh, Hampshire (SO50 9PD), near Southampton, and arrange insurance for clients across the UK. Much of our advice is provided over the phone, by email or in person to suit you.
Why use a broker instead of a price comparison website?
A comparison site sells a standard, off-the-shelf policy and leaves you to judge whether it fits. We take time to understand your circumstances, explain your options in plain English and arrange cover that genuinely matches your risk – with a named point of contact who supports you at renewal and at claim time.
How do I get a quote or speak to someone?
Call us on 023 8073 6266, email info@sis-ltd.co.uk, or use the contact form on our website. Tell us a little about what you need to insure and we’ll come back to you with suitable options.