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Your home is your castle, and it’s important to protect it. But if you have a non-standard property, that can mean finding an insurance policy that covers everything you need. Fortunately, we offer home insurance for all kinds of homes, including those with extensions or outbuildings. In this article we explain what non-standard home insurance is and how it differs from standard home cover. We also look at who can get non-standard home insurance in Ireland and what kind of things are covered by our policies to help you find the best option for your needs!
What is non-standard home insurance?
Non-standard home insurance is for people who live in non-standard homes. Non-standard properties include holiday homes, second homes, holiday apartments and commercial properties.
If you’re not sure whether your property is considered to be a “non-standard” property, check out our handy guide: What is non-standard home insurance?
What does non-standard home insurance cover?
Non-standard home insurance covers the following:
- Loss of rent. If your property is uninhabitable because of damage, you can claim for loss of rent. This may be helpful if you have to move out temporarily while repairs are made or if there’s significant damage that makes the property unsellable and difficult to let out again until it’s fixed up.
- Damage to buildings (including garages). If there’s any kind of structural damage or deterioration in your home, including foundations or walls – even if it was caused by water penetration – non standard home insurance will cover those costs too.
- Damage to personal property – from furniture and appliances through electric gadgets like TVs and computers right down to jewellery and other valuables like watches or rings which are kept at home rather than being kept in a safe deposit box at a bank branch where they belong!
Who can get non-standard home insurance?
If you’re a homeowner, and have been for at least three years (the longer the better), then non-standard home insurance is for you.
You’ll also need to be over 18 years of age (although some companies will make exceptions).
Finally, it’s best if your credit history is good – this means that if something goes wrong with paying off any bills or loans, it’s not likely to happen again in future!
What if I rent out my home?
If you are renting out your home to a tenant, holiday maker or business person, you will need to contact an insurance specialist. This is because the type of cover that applies to these situations is different from standard homeowners policy.
If you want to rent out your property for long-term or short-term use, it’s important that the insurance company knows this so they can provide a suitable quote based on their experience with similar properties in Ireland.
There are a lot of options available when it comes to commercial, rental and holiday property insurance.
When it comes to non-standard home insurance, there are a lot of options available. You can compare quotes from different insurers and get cover for your holiday home, commercial property or rental property. There are also various types of non-standard properties that need specific types of cover. For example:
- A mobile home may require a different policy than an ordinary house because they’re more likely to be damaged by weather conditions and other factors such as theft or fire damage.
- If you own an apartment building with multiple units in it (such as an apartment block), then this would require specialised coverage too since there’s likely going to be greater risk involved when compared against single family homes which have fewer occupants living under one roof!
Conclusion
We hope this article has helped you to understand what non-standard home insurance Ireland is and how it can help protect your home. If you still have questions about commercial, rental or holiday property insurance in Ireland please get in touch with us today!
