What is Standard Household Insurance?
It may seem a stupid question, but what exactly is standard household insurance? After all people’s homes vary greatly, so just what is standard household insurance?
Standard household insurance tends to refer to the fact that the building fits within the definition of standard construction, that is, your home is made of brick, stone or concrete and the roof is tiled, slate, asphalt, metal or concrete (with the roof having a maximum of 25% being flat).
Standard household insurance also relies on the fact that it is someone’s main residence and will be occupied at some point during the day. Most standard household policies will stipulate a limit of consecutive days a property can be left unoccupied for, for example 30 or 60 days. So, if you know the property is going be unoccupied for longer than this or is a holiday home you might want to find a policy more suitable for these, such as our InsuraHome Unoccupied, UK Holiday Home or European Holiday Home Insurance products.
Similarly, if the property you are looking to insure is a buy-to-let then you may find that our Insurahome Landlord’s policy is more suitable for your needs.