Want To Insure Your Non-standard Home?

Expert advice you can trust

Are You Insured Correctly?

Specialist Insurance Solutions Ltd specialise in assisting clients whose property cannot be covered by a standard insurance policy. If you find yourself in this position due to any of the points below, we will work closely with you to ensure that all challenging aspects of your property are addressed with suitable insurers, ensuring your property is adequately protected against loss.

Products and services available

Home Insurance

Properties that are a main home whatever the value or style, we will have a solution. Whether price or quality of cover the priority, we will discuss with you your needs and arrange a policy to suit.

Landlord Insurance

We have access to multiple markets to assist us with providing the correct cover for each individual scenario.

Holiday Homes

Our insurer partners can provide cover for UK holiday homes and larger properties used as a holiday home in most European countries and around the world.

Private Clients

We understand that every individual has unique financial goals and aspirations. Whether you’re planning for retirement, protecting your family’s future, investing for growth, or managing your wealth, we provide personalised advice and tailored financial solutions designed to give you confidence and long-term peace of mind.

Commercial Clients

From start-ups and growing enterprises to established organisations, we provide strategic financial advice and bespoke business solutions to help your company thrive. Whether you’re looking to protect your business, support your employees, or plan for future growth, our experienced advisers work alongside you to deliver practical, effective solutions.

Frequently Asked Questions

What is non-standard property construction?

A property is usually classed as non-standard when it is built with materials other than standard brick, tile and slate, or has features insurers view as higher risk. This includes timber-framed and steel-framed houses, pre-fabricated (‘prefab’) properties, shingle roofs, flat roofs covering more than around 25% of the roof area, listed buildings, and homes with a history of subsidence or flooding.

My property has a history of subsidence or flooding – can you still help?

Yes. A previous history of subsidence or flooding often leads to a decline online, but we work with specialist insurers who assess these risks individually and can arrange suitable protection.

Why can’t I get cover for my property online?

Online and comparison-site policies are priced for ‘standard’ homes. Anything outside that – unusual construction, a listed status, a flat or live roof, or a claims history – typically falls outside their criteria, which is why these properties are often declined or heavily loaded. We specialise in exactly these cases.

Do you cover listed buildings?

Yes. Listed buildings need cover that reflects the higher rebuild costs and the requirement to repair using like-for-like materials and methods. We arrange policies with insurers experienced in listed and period properties.

How do I get a quote for a non-standard home?

Call 023 8073 6266 or contact us with a few details about your property – its construction, roof type, age and any claims history – and we’ll approach suitable insurers on your behalf.