If you live in a flood-prone area, you should know that it is possible to purchase separate flood insurance in addition to a traditional homeowners insurance policy. Insurance specialists can help you get the best home insurance that will cover you in the event of severe flood damage. While such coverage is hard to find, it is well worth the effort.
Thatched house insurance
Thatched houses are very susceptible to fire. In addition, the cost of replacing this home is very high. Special home insurance for owners of homes with thatched roofs covers losses and restoration costs.
Special insurance for housing construction
Many mass insurance companies do not insure older style timber frame buildings that were constructed using traditional or historical techniques. Prefabricated houses and chalets are also considered specialty housing and thus qualify for coverage by specialty insurance.
In these uncertain economic times, more and more people are choosing to build their own houses. Content insurance for buildings under construction should cover financial damage and loss.
Home insurance with criminal penalties
Those with criminal records are often denied insurance, but persistence will result in insurance companies being willing to offer coverage. While such coverage can be expensive, the risks of not having it are greater.
Settlement insurance and life support
This type of insurance covers an adverse event that affects the property on which the house is built. Extreme weather, water, or even tree cutting can cause the soil to shift and damage homes. Even if the settlement is overturned, many mass insurance companies will not cover homes with this type of damage.