Unoccupied household insurance will cover you when there is no clear human presence in a property. It will cover you if there are other materials in the property such as furniture or damage to the building. Whether or not a building is occupied is an important distinction for property insurance because many property insurance policies have exclusions for a property that is unoccupied.

Non-standard household insurance covers all those risks that are not covered in standard home insurance.

Holiday home insurance covers the same risks as your main home. This insurance covers accidental and weather damage such as if the roof was damaged by a storm, flooding could ruin the décor, or if the house was broken into. If you own a second home you will need both buildings and contents to be insured.

Residential property owners insurance is designed to satisfy the insurance requirements of different types of residential landlords including private individuals, property owning organisations, property management organisations and resident’s associations.

Commercial property owners insurance covers the commercial building, while the liability insurance for a commercial property is to compensate third parties in respect to property damage and injury through negligence.

HMO/Student property insurance covers a single property where a number of unrelated tenants, who have there own rooms, share some living space such as kitchen and bathroom.