Non-Standard Home Insurance Northern Ireland
Cover for Hard-to-Insure Homes — Coming 2026
Struggling to find home insurance for a property considered “non-standard”? You’re not alone. Many Northern Ireland homeowners face refusals, high premiums, or limited options when their home falls outside traditional insurer criteria.
That’s why Dolmen Insurance is expanding into Northern Ireland — to help homeowners protect properties that need specialist, flexible, and fair-priced cover.
Whether your home has a flat roof, is listed, has an unusual construction type, or has previously been declined by insurers, Dolmen will be here to help from early 2026.
What is Non-Standard Home Insurance?
Non-standard home insurance is designed for properties that insurers classify as higher risk. These homes often require bespoke underwriting and specialist providers — which is exactly what Dolmen brings to the NI market.
From 2026 we will arrange cover for properties such as:
- Homes with non-standard construction (timber frame, modular, steel, etc.)
- Properties with flat roofs or bespoke architectural layouts
- Listed or heritage buildings across Northern Ireland
- Houses with prior subsidence, movement, or underpinning
- Homes in flood-risk or coastal exposure areas
- Holiday homes, second homes, or irregularly occupied properties
- Unoccupied homes awaiting sale, renovation, or probate
- Owners previously declined, cancelled, or refused cover
If local insurers have turned you down, we’ll work with specialist providers to secure the protection you need.
Who Do I talk to About Non-Standard Home Insurance in NI?
Every property has its own story — and sometimes that means it needs a more tailored approach. Dolmen’s NI Personal Lines team will guide you through your options as soon as the product goes live.
We will:
Review your property’s construction, history, and risk profile
Compare multiple specialist NI and UK insurers
Explain exclusions and optional extras clearly
Provide competitive pricing without compromising on cover
Assist with claims, updates, and renewals throughout your policy
Whether you’ve been refused cover or simply need a more flexible insurer, our team will help you find a policy that fits.
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 and robust. Depending on the insurer and risk profile, NI policies may include:
- Buildings & Contents Insurance
- Contents-Only Policies
- Holiday Homes / Second Homes
- Investment or Rental Properties
- Unoccupied or Vacant Homes
- Buildings Under Renovation or Construction
Northern Ireland–Based Support
With a growing team and a brand-new Newry office opening in 2026 — you’ll get local, personalised support when you need it most.
Custom Insurance Packages
Your policy will be designed around your property’s unique risks and characteristics.
Decades of expertise helping homeowners secure specialist cover — now brought to Northern Ireland.
Protection often includes:
- Flood Damage
- Storm Damage
- Fire Damage
- Burglary
- Optional Accidental Damage
Specialist Home Insurance Products
Get cover for unique or hard-to-insure homes, from bespoke builds to unusual materials.
Specialist home insurance designed for houses with flat or partially flat roofs.
Protect your listed or period home with tailored cover that respects its heritage.
Comprehensive protection for landlords with one or more rental or investment properties.
Insurance for homes under renovation – stay protected while you build or restore.
Specialist insurance for historic and heritage homes, preserving Northern Ireland’s architectural charm.
Flexible, affordable cover for mobile homes and holiday lodges across Northern Ireland.
Get Insured Sorted Covered
Specialist Non-Standard Home Insurance for NI — Coming 2026
Whether your home is hard-to-insure, unusual, or previously declined, we’ll help you find the right cover at a fair price.
What Does Home Insurance Cover? A Guide for Homeowners
Owning a home is exciting, but it comes with responsibilities. One of the most important is insurance. While it may seem like a paperwork formality,