Non-Standard Home Insurance

Select by Urban Jungle is a specialist home insurance policy designed for all sorts of people and properties, providing either Buildings & Contents or Buildings-only cover.

Select by Urban Jungle is specialist property insurance that offers cover for many non-standard circumstances, including:

  • UK Holiday Homes and lets
  • Homes with non-standard roof or wall materials
  • Unoccupied properties
  • Listed or older buildings
  • Landlord insurance
  • Homes used for childminding
  • Homes in probate

Wondering how to insure a non-standard home? If any of the above sounds like what you need, you can get a quote for Select by Urban Jungle below.

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What is Non-Standard Home Insurance?

Non-Standard Home Insurance is insurance for houses or circumstances that are a bit different, such as a listed building. This can include different types, like a flat roof, or wall materials like lathe and plaster. It also may cover various uses of your home, like a holiday let, B&B, Airbnb or having a lodger. Personal circumstances, such as a previous claim or having a vacant property can also be covered.

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Buildings & Contents Insurance is both buildings and contents insurance combined. With this type of policy you can get cover for both the structural parts of your home, and the stuff in it.

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Buildings Insurance gives you cover for the cost of rebuilding your home.

Get a Select by Urban Jungle Buildings & Contents or Buildings only quote here.

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Why “non-standard”?

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Standard home insurance policies might not be able to cover all properties - whether due to being an older property, being left unoccupied, or sitting in a flood risk zone. Most British houses have brick walls, and a tiled roof. This won't be the case everywhere but is typically considered standard construction in the UK. However, many older (like Tudor houses) or more modern constructions (like new-build properties) use different wall or roof material types, so the house itself could be considered non-standard.

Your property may also be considered as non-standard due to its occupancy. For example; if the property is left unoccupied for more than 30 days consecutively, used as a UK holiday home or holiday let, or let out to long-term tenants. This can also apply to situations like ongoing building work being carried out at your property.

Personal circumstances, like criminal convictions, bankruptcy or CCJs (County Court Judgements), can also mean you may need non-standard home insurance cover.

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Who is non-standard home insurance for?

Non-standard buildings insurance is for homeowners. It covers your building and the structural parts of your home against damage.

If you’re buying your property with a mortgage, your mortgage provider will often require you to have Buildings Insurance in place from the date of exchange.

With Buildings & Contents Insurance you not only get cover for the structural parts of your home, but also the stuff in it under a single combined policy. You also may be able to get cover for a renovation, or if you're doing building works such as building an extension or doing a loft conversion.

You don’t usually need buildings and contents insurance for your home if you’re renting a property. If you are a tenant and want to insure your stuff, check out our Home Contents Insurance.

With our online quote process and easy online account management, Select by Urban Jungle Buildings and Contents Insurance makes it easier to find cover when you have non-standard circumstances.

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What does Select by Urban Jungle cover?

Select by Urban Jungle’s Buildings and Contents Insurance policy is made for homeowners who need insurance for their property, its fixtures and the possessions inside, so your entire home is covered.

Select by Urban Jungle policies can be bought as a combined Buildings & Contents policy or as a standalone Buildings Only policy:

Buildings & Contents compared with Buildings Only cover
Cover Buildings & Contents Buildings Only
Buildings Cover£1M£1M
Contents Cover£120K-
Accidental Damage for ContentsOptional-
Accidental Damage for BuildingsOptionalOptional
Legal ExpensesOptional Add-OnOptional Add-On
Home Emergency CoverOptional Add-OnOptional Add-On
Personal PossessionsOptional Add-OnOptional Add-On
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Fire & Smoke

Covers you if a fire or the resultant smoke causes damage or loss to your buildings and contents.

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Theft & Vandalism

Covers you against breaking and entering into your home, whether something is stolen or just damaged.

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Storms & Flood

Covers buildings and contents kept indoors against loss or damage from a storm or flood.

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Accidental Damage

Covers you for unintended damage or breakage to your buildings or contents. This is an optional add-on for Home Insurance.

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Household Leaks

Covers your buildings and contents against damage from household leaks from pipes or appliances in your home, or any adjacent property.

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Alternative Accommodation

Pays for a place for you and your pets to stay in the event your home becomes uninhabitable.

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Here when you need us

Need a hand or got a question? No problem. Our team of experts are here to help on live chat or by phone. Or take a look at our Help Center.

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Not quite right? Take a look at our other policies.

The insurer underwriting this policy will be confirmed at quote.

Copyright © 2016 - Urban Jungle Services Ltd. Urban Jungle Services Ltd is a company registered in England and Wales under company number 10414152. Urban Jungle is authorised and regulated by the Financial Conduct Authority, under the registration number 782061. See the Financial Services Register for further details.

*Highly Commended: Best Customer-centric Culture in the Insurance CX Awards 2024. Highly Commended Service Provider in the Insurance CX Awards 2024. Fairer Finance Gold Award for Customer Experience - Autumn 2022

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