Quite simply, anyone who lives in the a property listed above will require a non-standard home insurance.
It is also quite common for those who have suffered bankruptcy, have a high claims record, criminal convictions, certain high-risk occupations or have CCJ’s to need a non-standard policy.
If you are unsure if you need a non-standard home insurance policy or not, you should ask yourself ‘is my house built differently to the average property’ and ‘are my circumstances different to the average person’. If the answer is ‘yes’, then you should consider speaking with a non-standard property insurance broker.
Those who rent a non-standard property are unlikely to need non-standard insurance as their property owners landlord insurance will cover it. That said, if you live in an area at risk of flooding, you may want to consider an uprated form of contents insurance.
A broker will help you understand your risk and find you quotes that are suited to you.