Holiday homes can be investments, family legacies, or part-time rentals. But owning one comes with unique risks, especially if the structure or usage falls outside the limits of standard insurance.
Whether it’s a timber-framed cottage in the countryside or a flat-roofed coastal escape, your property needs protection that fits. If you’re unsure what that looks like, keep reading to learn why tailored cover makes a difference.
Built For Homes With Unusual Construction
Most standard insurers expect homes made from brick with a tile or slate roof. If your holiday property has timber, concrete, steel, or eco materials, it might not qualify. That’s where non standard insurance for homes comes in.
It’s designed to cover properties that don’t follow the norm, something especially common among holiday homes. This means you’re less likely to face a rejected claim just because your building doesn’t meet a rigid definition.
Protects Against Gaps In Letting Risk
Letting your holiday home, even for short stays, often breaks the terms of many regular home policies. Specialist insurance recognises the risk of theft, damage, or accidents involving guests. If something goes wrong while someone else is staying, you’re covered.
It also often includes public liability protection, which helps if a visitor is injured on the property and takes legal action.
Covers Seasonal And Vacancy-Related Problems
Holiday homes are rarely occupied full-time. That leaves them open to seasonal risks like frozen pipes or undetected leaks. Many policies stop cover if a property is left empty for more than 30 days.
Non-standard cover accounts for these gaps, keeping you protected even during long off-season stretches. You’re also less likely to face issues with cover being restricted due to a lack of regular supervision.
Tailored To Higher Rebuild Costs
Holiday homes with unique features often cost more to repair. If something happens, the rebuild price may be higher than expected. Non-standard policies allow for increased building cover limits, which is essential for properties in hard-to-reach or protected areas. This level of protection helps prevent underinsurance, which can leave you covering shortfalls yourself.
Includes Specialist Extras That Matter
Holiday homes have different priorities. Replacement locks for stolen keys or temporary accommodation for guests can all be part of the deal. These benefits are often standard in non-standard insurance.
A Smarter Safety Net For Unique Homes
Owning a holiday property brings joy but also responsibility. When the build is unconventional or the use is occasional, it’s wise to step away from off-the-shelf policies. Non-standard insurance offers more than just protection. It provides peace of mind that what makes your home special won’t become a liability.
If you care about keeping your property safe while avoiding common exclusions, it’s time to think differently about insurance.
