Non-Standard Home Insurance Ireland
Cover for Hard-to-Insure Homes
Struggling to find home insurance because your property is considered “non-standard”? You’re not alone. Many homeowners in Ireland face refusals, high premiums, or limited options when their home doesn’t fit traditional insurer criteria.
CUsafe specialises in non-standard home insurance, helping credit union members protect properties that standard insurers often decline.
What is Non-Standard Home Insurance?
Non-standard home insurance is designed for properties that insurers view as higher risk. These homes often need specialist underwriting and more flexible cover.
We can arrange protection for homes such as:
- Properties with non-standard construction (e.g. timber frame, modular, or steel)
- Homes with flat roofs or unusual architectural designs
- Listed or heritage buildings
- Houses with prior subsidence, movement, or underpinning
- Properties in flood-risk or coastal areas
- Holiday homes, second homes, or irregularly occupied properties
- Unoccupied homes awaiting sale, renovation, or probate
- Owners who have previously been declined, cancelled, or refused cover
If standard insurers have turned you down, CUsafe can work with specialist providers to find suitable cover.
Who Do I Talk to About Non-Standard Home Insurance?
Every property has its own story — and sometimes that means it needs a more tailored approach. Our experienced team will guide you through your options and help find the right protection.
We will:
- Review your property’s construction, history, and risk profile
- Compare specialist insurers for the best solution
- Explain exclusions and optional extras clearly
- Provide competitive pricing without compromising on cover
- Offer ongoing support with renewals and claims
Whether you’ve been refused cover or simply need more flexible insurance, our team is here to help.
Talk to Philip’s Team
Personal Lines TEAM
Why not talk to Philip’s team about your insurance needs? With years of experience in personal lines insurance, Philip is here to make sure you get the right insurance coverage.
Reach out today – Just a call or click away!
What Does Our Non-Standard Home Insurance Cover?
Even though these properties fall outside the norm, your policy can still be comprehensive. Depending on the insurer and risk profile, cover can include:
- Buildings & Contents Insurance
- Contents-Only Policies
- Holiday Homes / Second Homes
- Investment or Rental Properties
- Unoccupied or Vacant Homes
- Buildings Under Renovation or Construction
Irish-based Support
Friendly local team offering personalised assistance for credit union members.
Custom Insurance Packages
Tailored policies designed around your property’s unique risks and characteristics.
Trusted by Credit Unions
Reliable specialist cover with excellent service, specially for credit union members.
Protection often includes:
- Flood Damage
- Storm Damage
- Fire Damage
- Burglary
- Optional Accidental Damage
Specialist Home Insurance Products
Find tailored cover for properties that fall outside standard home insurance criteria.
Tailored cover for homes with flat or low-pitch roofs, built around their specific needs.
Safeguard your listed or historic home with cover designed for its unique character.
Flexible cover for landlords managing multiple rental or investment properties.
Specialist protection for listed and historic buildings with unique requirements.
Flexible, affordable cover for mobile homes and holiday lodges across Northern Ireland.
Get Insured Sorted Covered
Specialist Non-Standard Home Insurance
Get the cover you need for homes that don’t fit the usual criteria. CUsafe Non-Standard Home Insurance provides tailored protection for unique properties, ensuring your investment and belongings are safeguarded.