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Specialist Home Insurance

Specialist Home Insurance

Tailor your home insurance cover to suit your lifestyle
24/7 home insurance emergency claims service

Cover in more than 20 countries
Over 20 years of expertise
24hr emergency claims helpline
Cover for unoccupied properties included

Insurance For Your Home And Its Contents

Specialist home insurance is designed for properties with unique characteristics or circumstances that standard home insurance policies might not cover. Whether you own a listed building, or a non-standard construction home, this insurance can provide suitable protection for your asset.

At Intasure, we understand that every property is different. That’s why we can provide specialist house insurance to suit your home, helping to cover a range of risks and events that standard policies might not.

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What Is A Specialist Home?

A specialist home refers to a property that has distinct features, construction methods, or use. These homes often don’t fall under standard home insurance policies. Examples include listed buildings, homes made with non-standard construction materials such as timber or properties used for specific purposes, like holiday rentals or second homes.

These homes often require tailored insurance policies because they have certain risks that standard home insurance policies might not cover, such as higher rebuild costs or flood risks. Specialist home insurance is designed to address these scenarios, helping to provide suitable cover for homeowners.

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Our Partners

Intasure works with trusted and established partners to provide flexible insurance options.

What Specialist Homes Can We Insure?

At Intasure, we may be able to provide specialist home insurance for various properties, including:

Listed buildings

Properties with historical or architectural significance.
Non-standard construction

Homes built using materials like timber, glass, or concrete.
Homes under renovation

Houses undergoing extensive renovations or structural changes.
Homes with flood risk

Properties located in areas prone to flooding.
Subsidence

Homes affected by or at risk of ground movement.
Converted properties

Buildings repurposed as residential homes, such as barns or chapels.
Holiday homes

Second properties let out to holiday guests.
Second homes

Homes used occasionally as a secondary residence.
Airbnbs

Homes rented out short-term to guests through platforms like Airbnb.

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What Our Customers Say About Us

Excellent

Based on 148 reviews

What Types Of Specialist House Insurance Can I Get?

Specialist home insurance is available with different levels of cover. Depending on your property and requirements, you can choose buildings insurance, contents insurance, or a combined policy to protect both the structure and your belongings.

Buildings insurance

Buildings insurance can provide cover for the structure of your home, including walls, roof, and permanent fixtures like fitted kitchens and bathrooms. This type of policy can be important for specialist homes where rebuilding costs might be higher because of unusual construction methods or materials.

Contents insurance

Contents insurance helps protect your personal possessions within the home. This could include furniture, electronics, clothing, and other valuables. For specialist homes, this might include cover for high-value items like wine collections and art, which aren’t typically included in standard policies.

Combined home insurance

A combined home insurance policy brings together buildings and contents insurance under one policy, helping to protect both the structure of your property and the items inside. This can be a suitable choice if you’re looking for a single policy to cover all aspects of your specialist home.

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What Can Specialist Home Insurance Cover?

Specialist home insurance can offer protection for the unique risks that come with owning an unusual or high-value property.

Some of the key features of Intasure’s specialist house insurance include:

Up to £1m buildings cover

Helps to cover the costs of repairing or rebuilding your property.
Up to £100k contents cover

Can offer protection for your personal belongings within the home.
Accidental damage cover

Can include damage to fixed glass, sanitary fixtures, and solar panels.
Theft or attempted theft

Can cover for loss or damage caused by theft or break-in attempts.
Subsidence

Helps to cover costs for damage caused by ground movement.
Trace and access cover up to £5,000

Can cover the cost of detecting and repairing water leaks.
Property owners’ and occupiers’ liability up to £2m

Can provide liability cover for property owners and occupiers.
Alternative accommodation cover up to £40,000

Can cover temporary housing costs if your home is uninhabitable.
Home emergency cover

Helps to provide assistance for urgent repairs to protect your home from further damage.

Enhance your cover with optional extras for protection against other risks, including:

Sheds and outbuildings

Can cover structures separate from your main property.
Garages

Can protect garages from risks such as theft and damage.
Home emergency

Can help with urgent home repairs to prevent further damage.
Increased cover for additional accidental damage

Can offer extra cover for accidental damage to your property or belongings.
Theft and accidental damage to bicycles

Helps to protect bicycles from damage, whether at home or while in use.
Valuables or personal possessions cover away from the home

Can offer protection for items like mobile phones, jewellery, cameras, laptops, or sports equipment when you're out and about.
Up to £60,000 cover in legal expenses

Can offer financial assistance for legal disputes related to your property.
Key cover for lost or stolen keys

Can cover costs for replacing lost or stolen keys.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

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Why Choose Intasure For Specialist Home Insurance?

At Intasure, our UK-based team of specialists are on hand to help you find a suitable policy. We’ll work with you to advise on the level and type of cover available, helping to ensure your specialist home is protected. Here’s what you can expect from us:

15 years of experience in handling home insurance
No additional administration fees are charged in the event of cancellation
In-house claims team
Rated as Excellent by our customers on Trustpilot*

*Correct as at June 2025

To get an instant quote, fill in our online form or give us a call on 0345 111 0680.

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What Do You Need To Get A Specialist Home Insurance Quote?

Getting a quote for specialist home insurance from Intasure is simple. Have this information handy:

Tell us about your home: Share details about your property, including its type, construction materials, age, and any distinct features such as listed status or flood risks.

Tell us the level of cover you need: Let us know whether you’re looking for buildings insurance, contents insurance, or a combined policy. Tell us about any optional extras you’d like to include, such as accidental damage cover or protection for valuables.

Tell us about yourself: Provide basic personal information, including how you use the property—whether it’s your main residence, a second home, or a rental property like an Airbnb.

Specialist home insurance FAQs

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.

What Is Specialist Home Insurance?

Specialist home insurance is tailored insurance for untraditional properties. This includes homes with unusual construction, listed buildings, or homes with added risks. Most standard home insurance policies don’t provide enough cover for specialist homes, which can leave homeowners responsible for higher costs if something happens.
What Features Of A Property Would Indicate That Specialist Home Insurance Should Be Considered?
Specialist home insurance may be needed if your property has any of the following features:
- It’s at risk of natural disasters, such as flooding or subsidence.
- It’s a listed or heritage property with strict requirements for rebuilding and maintenance.
- It has unusual construction, such as a timber frame.
- It’s a high-value home requiring higher levels of cover.
Is It More Expensive To Insure A Specialist Property?

Normally, yes. Specialist properties often come with higher insurance costs because rebuilding or repairing them may require specialist materials or expertise, which can be more expensive. These properties may also have increased risks, such as being in flood-prone areas or having higher rebuild values. These added risks can make specialist properties more expensive to insure.
Why Is Specialist Home Insurance Important?

Specialist home insurance helps to cover your home and possessions from damage or loss due to events like fires, flooding, storms, and theft. For listed properties, specialist house insurance can be especially important. You may need to restore them using traditional materials and methods, which can be significantly more expensive.
How do I make a claim
To register a claim on your property insurance and obtain a claim form please contact Intasure on 0345 111 0680. Alternatively, you can log a claim online by logging in on the Intasure portal.

For any of the optional covers you may have selected:
- Identity Theft call: +44(0)344 770 1040
- Legal Expenses call: +44(0)344 770 1040 (for existing Legal Expenses claims call: +44(0)344 770 9000)
- Home Emergency: +44(0)1737 334 491
- Key Cover call CPP: 0344 736 0138