Specialist insurance is available for those who may not be covered under standard house insurance policies. If you live in a flat or apartment then you may find that a standard insurance policy does not cover you properly and for this reason you will need a specialist insurance policy. Specialist insurance policies are also useful for those who own more than one flat, particularly if any of the flats are unoccupied.
Specialist home insurance will also provide cover for properties that are susceptible to fire or storm damage, such as thatched cottages or properties with partly thatched roofs. However, you may be refused specialist house insurance on this type of property if you fail to follow certain safety procedures. Exposing the property to naked flames or using items that are likely to cause fire damage to the property will prevent you from being able to claim specialist house insurance.
If you own a listed property or your property is old, then you will be able to claim specialist home insurance. It is important to check what you will be covered for when claiming specialist insurance for a listed property, as policies may vary depending on the insurance company. Some policies may not cover damage caused by severe weather conditions for listed properties or if the property has been left unoccupied for a particular number of days.
Specialist insurance can also be provided for students. This includes specialist contents insurance for students that are living in rented accommodation such as a student house or for students that are living in halls of residence.