Non-Standard Home Insurance

As providers of specialist home insurance we can supply straightforward and competitive quotes on buildings and contents insurance whatever your property or particular set of circumstances. Experienced in insuring homes deemed as non-standard construction, we are also able to provide competitive quotes for listed buildings, properties with a history of subsidence or flooding and unoccupied properties.

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Listed Property

Subsidence or Underpinned

Thatched Property

Non Standard Build Property

Flood Risk Property

Flat Roof Property

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If you would prefer, feel free to call an account manager on 01202 937430

Specialist home insurers

Leading panel of insurers, offering bespoke solutions.

Competitive prices

High levels of cover, without complication or excessive premiums.

Family owned business

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UK account managers

Knowledgeable and experienced UK based account managers.

Non-standard construction insurance

Listed Property

Listed Property

Insurers use a standard set of assumptions for re-building costs for losses such as flooding, fire, subsidence and escape of water, such as burst pipes. These simply do not account for the additional costs associated with a listed property. Sufficient alternative accommodation cover should also be built into your policy, should you have to vacate for a protracted period.

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Subsidence or Underpinned

Subsidence or Underpinned

Insuring a property with subsidence, underpinning or a history of movement can be straightforward. We have a number of specialist schemes in place and the ability to underwrite individual circumstances. This enables us to provide insurance tailored to your unique circumstances, often without applying unfavourable terms or massive premiums.

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Subsidence or Underpinned
Thatched Property

Thatched Property

It is estimated that there are approximately 24,000 listed, thatched properties in the UK. Only 5% of these are new builds, although with the resurgence in ecologically sound homes, this number is set to rise. Skilled at building a policy to suit your precise needs, thatch, just like any other non-standard building material, does not present a problem for us.

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Non Standard Build Property

Non Standard Build Property

Does your property stand out from the crowd? If the roof of your home is thatched, flat or shingle, if your frame is built from steel or timber, or perhaps your walls are constructed with wattle and daub, at Highworth Insurance we can help you find the right level of non-standard construction insurance, tailored to you.

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Non Standard Build Property
Flood Risk Property

Flood Risk Property

We address requests on a case by case basis. This is especially important when dealing with potential flood risk buildings and can make all the difference to premiums and the level of cover available.

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Flat Roof Property

Flat Roof Property

We understand that the additional risks involved in insuring properties with flat roofs and we also understand that this rick varies. This is why it is important and cost effective to use a specialist flat roof home insurance provider, who understands the materials, risks and variables and can tailor a policy accordingly.

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Flat Roof Property

What do our customers say?

'A proactive, competitive company – a change from the norm!'

Very good at calling back, professional and diligent. The quote was also super competitive and we will be moving more of our insurance needs across to them in due course. It’s a rarity these days to find a company that does what it promises, and does it well. I would have no hesitation in recommending.

1 2 3 4 5
Mr Rigluth

'Competitive, and hassle free application. Hope any claims are the same.'

The conscientiousness of the agents and their speed of answering queries – and a small discount persuaded me to change insurers. The efficiency of completing paperwork was excellent. Of course there have been no claims as of yet but otherwise a positive experience on a routine matter

1 2 3 4 5
Mr Phillips

'Easy to work with, makes the process a breeze, the team understand my needs'

They are great people to work with, Lisa now deals with all my insurance needs. They make it a breeze and if you need to make an amendment, they got you covered.

1 2 3 4 5
Mr Clarke Brothers Property Ltd

'Listened and made appropriate recommendations'

Spoke with many insurance companies after filling out an online form for quotes. Most asked to fill in the same information again over the phone. This got very tedious after the first five. Highworth listened, made suggestions and offered a very competitive price. An excellent service. Form filling on acceptance.

1 2 3 4 5
Mr Finnen

'Top of the class in every way'

Quick and helpful response followed by quick and efficient service at the highest professional level. Best encounter with an insurance service that I have ever had.

1 2 3 4 5
Mr Rabinowitz

'Refreshingly uncomplicated!'

They answer the phone promptly, are friendly but professional. I didn’t feel I was talking to an automaton and the whole experience was refreshingly straightforward, uncomplicated and stress free. I would definitely recommend Highworth Insurance and will use them again in the future.

1 2 3 4 5
Miss Mctavish

'Exceptional customer service'

I have a thatched cottage and only a handful of insurers will insure contents/buildings on these cottages. I found the gentleman that I dealt with really helpful and friendly and he sorted my insurance out for me. Several other insurers had on line quote forms and never got back to me with a quote. Their loss! I am not sure of the gentleman’s name, but he is a credit to your company.

1 2 3 4 5
Mrs Sayers

'This is how it should be done!'

I called Highworth at the suggestion of my partner. I found Gemma very professional and helpful. The cover options she came back with addressed my requirement perfectly. Once I had forwarded confirmation of NCD the price reduced, great! Fantastic cover, good price, excellent service!!!

1 2 3 4 5
Mr Hewitt

'Attentive and excellent service'

Highworth were recommended by a friend as they are specialists in listed properties and older properties. My contact was excellent and thorough and took time to explain the cover and options available. Once we had determined the key details and the price everything progressed very smoothly indeed.

1 2 3 4 5
Mr Cockrell

'Highworth saved me £700 this year compared to Halifax!'

Excellent service. Helpful, pleasant staff member made the process of re-insuring my house very simple. Highworth resolved an ongoing ‘subsidence’ issue that has cost me thousands of pounds over the last decade!

1 2 3 4 5
Mr Stanton

'Great service and saved lots of money!'

Last year I bought my first house and had a real trouble trying to get house insurance because of ‘historical movement’ on the survey. This year I did a lot more research and came across Highworth insurance. I did an online form and got a call back really quickly from Clarise. Clarise was brilliant. Very professional, helpful and gave excellent customer service. She also managed to save me £150 for the year. Great company to use.

1 2 3 4 5
Mr Woods

'Responsive and helpful throughout my quest for home insurance.'

I was particularly impressed with Jo Wilson who I found extremely conscientious, pro-active, immediately responsive and very helpful. I felt totally supported in what was a tricky situation where I was securing insurance for a house in a flood risk area. I felt that she was very much on my side.

1 2 3 4 5
Mr Kettle

'The right information clearly explained'

Excellent, straightforward information which covered all my needs and requirements. It was nice to get a clear explanation as to the difference between those who advertise they can insure you for £140 or so (which they can’t) and those who actually understand clients.

1 2 3 4 5
Mr Shaw

'Quick solution to a sudden problem'

Having moved home I suddenly needed to sort out my buildings insurance as my existing insurer said my current policy could not continue as I had moved into a leasehold flat. I didn’t realise I had a problem until I notified them of my change of address. The person dealing with my enquiry settled all my problems and issued a policy to cover my needs.

1 2 3 4 5
Mr Charlwood

'Outstanding service from highly skilled professional – exceptional'

Outstanding service from an individual who was focused on finding the best policy for us. I would strongly recommend this company to others and to anyone who wants assurance that their home is well insured.

1 2 3 4 5
Mrs Scott

'Efficient, polite and knowledgeable service!'

From the first phone call to ask questions on the levels of cover available for our house renovations, through to the decision and policy purchase, the help and guidance provided by Daniel was superb. A very efficient, polite and knowledgeable service. Thank you!

1 2 3 4 5
Mr Faux