Forever Homes are extra special places we love and aim to stay in for as long as possible.
Some of these are “ordinary” homes that have strange features that elevate them into your dream abode. Be it that quaint thatched roof, thatched buildings or the fine wine collection in the cellar, the Forever Home can come in all shapes and sizes.
Here Adrian Flux’s home insurance team takes a look at some of the features of Forever Homes in the country and explains why they need additional specialized non-standard home insurance cover.
Three types of non-standard houses
Non-standard “Forever Homes” can be roughly divided into three categories:
- Homes with unusual features (thatched roofs, antique stained glass windows, outbuildings and stables, solar panels, etc.)
- Homes of Historic Significance (blue plaques, local authority listings, conservation areas)
- Homes containing valuable or rare collections (coins, stamps, records, die-cast model cars, fine wines, etc.) and high-value items.
Forever Home with Unusual Features
Homes with unusual features because of the way it is built or the material it is made from are non-standard insurance risks because they will inevitably cost more money to repair if things go wrong.
Thatch roofs look incredibly bizarre and are a significant part of the British countryside, but they present some very special risks to insurers, chief of which is the risk of fire. Thatched roofs are more prone to fire than traditional tiled roofs, and once a fire has started, thatch is very difficult to control.
The main causes of thatch fires are sparks from chimneys, discarded cigarettes and garden bonfires, and the risk is even greater in summer and during prolonged droughts.
Thatch also presents a significant risk of insect infestation that is not likely to be covered under a domestic policy, not even as an addition. While it may not destroy your thatched roof, it can require expensive maintenance and repairs by specialists.
stained glass windows
Antique stained glass looks stunning but it can be fragile and cost a small fortune to repair, so if you have some stained glass in your home it’s best to list it as a non-standard risk on your home policy. may be required.
And if your home is of historical importance, you may need special permission to do the work and you’ll need to contract a licensed artisan craftsman to do the work using traditional materials and methods that aren’t included in any repair bills. will add up significantly.
Sheds and outbuildings are generally covered by standard home insurance policies but you should check that your policy does not exclude them and that your cover is sufficient to rebuild them in the event of their total loss.
Homes that have solar panels installed or use other alternative methods to heat them, such as wind power, can be economical, but if they are damaged the repair bill is higher than for your traditional carbon-fuelled home. Will be Solar panels and other alternative fuels will make your home a non-standard risk.
Wooden houses, by their nature, are a non-standard insurance risk. Whether it’s a self-built home, a wood-framed house or a log cabin, your wood-framed home will need to be insured as a non-standard risk.
houses of historical importance
Historically significant buildings are irreplaceable, once they’re gone, they’re gone, which is why it takes us so long as a nation to preserve elements of our past.
A blue plaque is a permanent sign installed to commemorate a link between that location and a famous person, event, or former building on the site to serve as a historical marker. If your home is lucky enough to have a blue plaque installed on it, it will likely turn it into a Forever Home, demanding non-standard home insurance.
There are 900 official blue plaques in London alone, but they are not required to be used to commemorate the lives of real people. In 1990, a blue plaque was installed at 221B Baker Street, London, celebrating the life of Conan Doyle’s fictional violinist detective Sherlock Holmes.
Architectural and Historic Listing
If your home is listed with the local authority, Historic England, Historical Environment Division (Northern Ireland), Historic Environment Scotland, or Cadway In Wales, being of special historical or architectural significance, it would require non-standard insurance.
This is because your home can only be repaired or refurbished with special permission and the materials used must suit the style and original construction of your home. This will inevitably increase the cost of repairs.
It’s a similar story if your home is located in a local authority conservation area.
Homes with valuable collections and high value furnishings
We are a nation or hoarders and collectors, but how much is your collection worth?
While a single ticket to an album may only be worth a few pennies, a vast collection of them can be worth thousands of pounds. That’s why you should tell your insurer about any collection you have and provide an expert appraisal so we know what they’re worth and what it will cost to replace them.
Whether your collection is stamps, coins, die-cast model cars, records, paintings or fine wine, you should appraise them collectively and include them in your insurance program.
Your collection will remove your insurance needs from the operation of the mill and you will definitely need non-standard cover.
high value items
In the case of specialist home insurance broker Adrian Flux, single items valued at £1,000 or more must be individually declared and listed for insurance purposes.
So whether it’s jewellery, the latest 60in wall mounted plasma screen, or a Dutch masterpiece hanging in the lounge, you should declare this and any other item worth more than £1,000 to your Forever Home’s insurer.
Special protection for the things you love
To find out how to get the best protection for your Forever home and the inside of something you love, contact Adrian Flux’s home insurance experts 0800 369 8590 — Our best deals are usually only available over the phone.
To learn more about us visit Adrian Flux cheap specialist home insurance cover.
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