Specility Home Insurance
Find Speciality Home Insurance for Unique UK Properties
Specialist Home Insurance (or non-standard home insurance) provides cover for properties that aren’t fully protected under standard home insurance. This could be for properties that are let out short term for holiday rentals, homes with unique features such as thatched roofing or solar panels or self-build properties.
Off-the-shelf home insurance often doesn’t provide the cover needed for these more unique situations. At SJL Insurance Services, we can offer the insurance protection you need to cover your individual requirements.
At SJL Insurance Services, we have an extensive history of insuring a number of unique properties which most online providers cannot accommodate. If you have any specialist requirements for your property or situation, please contact our team.
Don’t think you need Specialist Home Insurance or self build insurance? Check out our Property Insurance for home and buildings insurance.
- Award Winning In-House Claims Team
- Lloyds of London Commercial Broker
- Independent Broker Since 2001
WHY DO I NEED SPECIALITY HOME INSURANCE?
Unlike standard policies, speciality home insurance is designed for homes that are unique for one reason or another. This could include things like bespoke designs, historic structures, or properties with unique features that require a more nuanced approach to valuation and protection.
Speciality home insurance policies bridge the gaps in coverage often left by traditional home insurance, protecting your property against a wide array of risks, including natural disasters, theft, and costly repairs involving specialist materials or craftsmanship.
When your home holds extraordinary financial or sentimental value, this type of tailored protection becomes essential.
IS THIS TYPE OF COVERAGE RIGHT FOR YOU?
Many homeowners find that a standard policy falls short of their specific needs, especially when their property has unique characteristics. Understanding if you fall into one of these categories is the first step towards securing adequate protection for your home and its contents.
High-Value Homes
You have invested significantly in your dream home, and it is worth protecting properly. High-value properties often face risks that basic house insurance policies cannot adequately address, such as higher replacement costs for fixtures and fittings or the need for increased liability coverage. Speciality insurance ensures your coverage limits are sufficient to secure your large investment against potential losses.
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Owners of Historic Homes
Your historic home is anything but standard, and it deserves special care to preserve its character and value for generations to come. Bespoke home insurance can cover the high costs of restoration using period-appropriate materials and skilled artisans, along with protecting unique architectural elements and antique features that standard policies simply will not touch, ensuring its legacy endures.
Unique Property Types
Properties such as holiday lets, second homes, or houses with unconventional construction materials present distinct insurance challenges. These homes require policies that account for periods of unoccupancy, non-standard building materials, or the specific liabilities associated with rental activities, which a specialist insurance broker can navigate effectively.
WHAT TYPES OF PROPERTIES ARE COVERED WITH SPECIALIST HOME INSURANCE?
Any property that could sit outside the realms of a typical home could be covered by Specialist Home Insurance.
The following types of properties could benefit from Specialist Home Insurance, providing you with bespoke cover for your individual situation:
- Home lets or holiday homes
- Short term rental
- Non-standard homes
- Properties with specialist features such as solar panels or thatched roof
- Self-build projects
- Renovation or conversions
- High net worth properties
- Businesses run from home premises
WHAT INSURANCE DO I NEED FOR A HOLIDAY HOME?
If you own a holiday home that you rent out on a short-term basis, we can provide holiday let insurance as part of our Specialist Home Insurance package.
Holiday let insurance will help cover you should any accidental damage occur. It can also offer public liability cover, to protect you and your guests during their stay.
This type of cover suits properties and holiday lets rented out through third parties such as Airbnb and Homeaway and can cover anything from cottages to chalets.
If you’d like to find out how much holiday let insurance will cost you, complete our ‘get a quote’ form now.
WHAT INSURANCE DO I NEED FOR A SHORT TERM LET PROPERTY?
Short term rental insurance protects your property and tenants, much like holiday home insurance. However, short term let insurance is specifically designed for properties that might be rented out for longer, and not necessarily for the use of holidaying.
If you are renting out your property on a short term let basis, you’ll need public liability and cover to protect your property, furniture, fixtures and fittings.
Are you a landlord looking for insurance for your rental property? Check out our Property Insurance.
WHEN DO I NEED SELF BUILD INSURANCE?
If you’re taking on a home build project and creating your very own bespoke self-build, we can help.
Building your own property can be fraught with potential risks and mean that you are exposed to hazards throughout your build. SJL Insurance Services can create a bespoke policy to fit your project, giving you peace of mind during your build.
Cover can help protect your workers, site, materials and home from theft or damage. Our specialist home insurance can also help cover your home if you are renovating or converting a property.
If you are hiring people to help complete your home build, then our policies can provide employer’s liability insurance as well as public liability insurance to protect you and others on site from accidents.
To find out more about our self-build insurance, please contact us.
WHAT INSURANCE DO I NEED IF I WORK FROM HOME?
If you work from home, standard home insurance often doesn’t provide you with the protection you might need. This is especially relevant if you have customers in your home as part of your business.
As part of our Specialist Home Insurance, we can help build policies designed for those who run their business from their home, ensuring you’re covered for any risks that it may bring.
Types of businesses we offer bespoke policies for:
- Tutors
- Hairdressers
- Make-up Artists
- Financial Advisors
- Carpenters
- Beauty Therapists
See Workspace and Office Insurance for more on insuring where you work.
WHY SHOULD I CHOOSE SJL INSURANCE SERVICES FOR MY SPECIALIST HOME INSURANCE?
SJL Insurance Services is an insurance brokers’, meaning we can access a large number of insurance products to build you the very best and most effective policy for your individual needs.
Alongside our extensive let and vacant property products, SJL Insurance Services also provide home insurance for any type of home. Whether you are just about to purchase your first property, or you have just begun construction on your dream family home, SJL Insurance Services are able to cover every inch of your most prized possession.
We have an extensive history of insuring a number of unique properties which most online or off-the-shelf providers cannot accommodate. We insure a number of thatched properties, non-standard construction premises and even the pre-fabricated kind – so wherever you decide to make your nest, you can be sure we have a solution to suit your needs.
Find out more about SJL Insurance Services.
FREQUENTLY ASKED QUESTIONS
Key Features of Speciality Home Insurance
Speciality home insurance is built with certain key features that benefit unique properties. With terms that are tailored to your home’s specific style, location, and value, you can rest easier knowing you are properly protected against unforeseen events. Here are some ways you can craft a speciality home insurance policy:
- High Coverage Limits: Financial safety for properties with a value significantly above the average market rate.
- Customised Plans: Coverage options that adapt to your specific property needs and personal circumstances.
- Special Add-ons: Secure extras such as rare art collections, valuable vintage items, or recent renovations.
What Risks Can Specialist Insurance Cover?
No two homes face the same dangers, and therefore, coverage needs can vary dramatically. Specialist Home Insurance guards against a variety of risks that traditional policies often overlook or exclude, providing better protection for your property. Here’s a closer look at what a specialist policy can protect against:
- Property Damage: It can cover structural repairs and complete restoration following events like fire, floods, or other disasters, using appropriate materials.
- Theft or Break-ins: High-net-worth homes are often targets for theft, but speciality policies can cover valuables if they are ever stolen.
- Unique Maintenance Needs: Historic homes or custom builds often involve costly, specialised repairs, and these policies are able to account for those expenses.
How to Build Your Specialised Plan
Securing a custom insurance plan does not have to be a time-consuming hassle. By taking a simple and straightforward approach, SJL Insurance can help you design a plan specifically for your unique situation. Follow these simple steps to get started:
- Step 1: Identify Must-Have Coverage Needs: Start by listing all of your biggest concerns related to your home, such as custom designs, valuable antiques, or unique architectural features.
- Step 2: Gather Important Documents: Valuation reports, repair estimates, and detailed photographs can be instrumental when creating your customised plan with an insurance broker.
- Step 3: Request a Quote: Reach out to SJL Insurance for professional advice tailored to your situation. We believe that full transparency helps create coverage that truly fits your needs.
GET A SPECIALITY HOME INSURANCE QUOTE NOW
Your home is one of a kind, and your protection plan should be too. Get your personalised insurance quote today from SJL Insurance. Contact us now to request a quote from one of our specialists. The right protection is just a conversation away, so don’t wait to secure your property.and have peace of mind knowing that you're protected.
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