Specialist Home
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Struggling to find insurance for a client with a unique home? Our Specialist Home insurance provides cover for homes that are typically difficult to place, like listed buildings or homes used for Airbnb rentals.
But our product is not just designed for specialist homes, it's also for customers who have standard homes but specialist needs, such as customers in the middle of a renovation or customers with an unusual occupation, or customers who simply want the flexibility of increasing their policy limits.
You’ll find us easy to do business with; brokers buying from Pen Central, our e-trading hub, can instantly quote and bind cover, and because Pen Central is full-cycle there's no need for re-keying at renewal or MTA. Plus, whether you buy from Pen Central or get a quote from an underwriter, our product offers competitive rates.
YOU CAN ALSO BECOME A DELEGATED AUTHORITY ON THIS PRODUCT. GET IN TOUCH FOR MORE INFORMATION.
Who Qualifies?
- Non-standard wall and roof constructions inc. 100% flat roofs
- Homes undergoing renovations or works
- Underpinned or subsidence affected
- Listed properties
- Holiday/Weekend/Weekday homes
- Shared accommodation including lodgers and Airbnb
- Business use: clerical and non-clerical
- Let properties
- Unoccupied properties
- Customers with unusual occupations
- Customers with unbalanced sums insured
- Customers with an adverse claims or financial history
- Customers with criminal convictions
- Standard risks where higher limits are required
What's covered?
- Buildings up to £1,000,000
- Contents up to £250,000 (up to £500,000 on referral to an underwriter)
We include many additional coverage benefits as standard, please see the Summaries of Cover for full details and sub-limits.
Optional cover extensions are also available on request (on payment of an additional premium):
- Extended Accidental Damage to Buildings and/or Contents
- Valuables and Personal Possessions whilst away from home
- Domestic Deep Freeze
- Pedal Cycles and Money and Credit Cards whilst away from home
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