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PERSONAL & HOME INSURANCE

THE EXPERTS IN NON STANDARD HOME INSURANCE

Our personal home insurance portfolio encompasses a variety of non-standard property types, in addition to offering buildings and contents insurance.

Personal Insurance provides protection for your home and belongings against unexpected disasters and accidents, offering financial coverage to replace or repair the insured item. It’s crucial in many aspects of life and offers peace of mind, knowing that you’re financially covered if something goes awry. As a specialised insurance provider, our focus on non-standard properties enables us to offer tailored protection for higher-risk properties where most other insurers may be unwilling.

Our personal insurance products are as unique as you are, helping you insure properties that set you apart from the crowd. We believe in making personal insurance truly personal by taking the time to understand your situation and requirements. Recognising that your needs are unique, we treat each client individually. By listening to you, we can customise your personal insurance protection to meet your specific needs.

Experiencing any accident, damage, or theft can be distressing, so having the assurance that your valuable investment is in safe hands is invaluable. With all of our personal insurance policies, the cost of alternative accommodation is included if the property becomes uninhabitable, and you are automatically covered for personal possessions worldwide.

NON STANDARD HOME INSURANCE

Unoccupied Home Insurance

If your property is unoccupied for a consecutive period of 30 days or more we can provide coverage from 3 months upwards, depending on your individual circumstances.

Listed Building Insurance

Maintaining a listed building involves adhering to traditional methods and materials that were historically used, along with addressing risks such as dampness, drainage issues, and decay.

Second Home Insurance

A second home or holiday home faces similar risks as an unoccupied property when vacant, and may require additional coverage if leased to tenants.

Home Business Insurance

If you work from home, you’ll require an additional policy to insure your home office equipment and stock, along with additional options such as public liability and professional indemnity coverage.

Non standard construction Insurance

Properties constructed from non-standard materials and methods are susceptible to additional risks. Examples of such properties include those with thatched or flat roofs, as well as eco-friendly homes.

Flood Risk Insurance

If your property is situated near a watercourse or within a flood risk zone, you’ll need specialist insurance to mitigate the heightened risk of damage.

Subsidence Insurance

If your home has a history of subsidence or is at risk of subsidence, you’ll need specialist cover in case you require it.

Previous Convictions / Claims

Maintaining a listed building involves using the same materials and methods traditionally employed, along with addressing risks such as dampness, drainage issues, and decay.

High Net Worth Insurance

If your property and contents have a high net value, indicating non-standard status, you’ll need to consider a specialist policy. In such cases, contents may include items like fine art, jewellery, prestige cars, antiques, and more.

Previous Convictions / Claims

Maintaining a listed building involves using the same materials and methods traditionally employed, along with addressing risks such as dampness, drainage issues, and decay.

In addition to the above non standard home insurance policies, Ideal Brokers also cover non standard home insurance for properties with lodgers, properties undergoing building works or refurbishments, or even blocks of flats.

BUILDINGS AND CONTENTS INSURANCE

BUILDINGS AND CONTENTS INSURANCE

WE’LL FIND THE BEST POLICIES TO SUIT YOUR NEEDS AND PROVIDE THEM AT THE BEST RATE TOO

Ideal Brokers utilises a panel of insurers to secure the best price for your buildings and contents insurance. We understand that every home is unique and may not fit the standard property classification, so our comprehensive range of products is designed to cover all property types, conditions, and usage.

While buildings and contents insurance is not a legal requirement, in many cases, mortgage providers make it compulsory. Given the significant investment involved in homeownership, it’s generally wise to insure against unforeseen circumstances to mitigate risk.

Our buildings insurance safeguards your property, including fixtures and fittings, against damage or disaster. Your home should be insured to cover the re-build value. Additionally, contents insurance protects the personal possessions within your home from loss, damage, theft, or elemental damage.

Purchasing your buildings and contents insurance together not only streamlines the process but often results in a discount from the provider. Bluedrop eliminates this hassle and is committed to finding the best option for your circumstances.

OUR STANDARD BUILDINGS AND CONTENTS INSURANCE COVER INCLUDES:

  • Contents from £10,000 – £1,000,000
  • Flexible payment options
  • Money and credit cards up to £500

  • Buildings up to £5,000,000
  • No claims discount with some insurers
  • Personal possessions worldwide

  • Home emergency cover
  • Contents of fridge and freezer up to £500