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Unusual Property Insurance

Specialists in Unique or Unusual Property Insurance

Whether you live in an Windmill or Watermill, to you it's home, why should most Insurers shy away when you approach them for an Insurance quotation. The reason is they don't really know "How" to Insure you, they have never ventured into that type of risk.

We at Crown Insurance do venture into The Unusual Property type of risk, we can Insure your Converted Church, Village School, Village Hall or Folly. There is nothing strange about them, they have stood the test of time, have been modernised and are generally well maintained and treated as proud and treasured home.

We at Crown Insurance have many years of experience of Non Standard Insurance and Unusual Property Insurance. We have negotiated schemes with Certain Underwriters at Lloyds of London for a facility to place these kind of Unusual Property Risks


Telephone 01784 436 262

Please complete the form giving all details of your Unique Property to be insured. Our Specialist Underwriter will contact you to discuss your quotation request.

As the original masters of spin, estate agents and auctioneers are renowned for their ability to see the best in every property they are asked to sell. When the unusual property comes with baggage, then there is no profession better equipped for rising heroically to the challenge. In fact, some might say it is harder to sell a standard semi than it is to shift a pigsty with planning permission.

Some areas ot he country are rich with unusual properties. “The key with unique residential properties is to ensure that the price is right and this can be extremely difficult for an unusual property that may be coming to the market for the first time in 100 years, or is so different to anything else that Insurers may have been asked to quote for.

A classic example was a property built by an S&S client who had burrowed into the side of a hill, creating an eco friendly underground house with its own wind turbine and rain water collection system. Set in three acres of woodland, the property attracted a huge amount of interest. The romance of the property, plus the Certificate of Lawful Use, made it a very attractive proposition.

Buying an Unusual Property

Its worth speaking to an independent mortgage broker in the first instance as they are likely to know which lenders will be interested in lending to you. The lender will be keen to establish that the property has saleability factor – while a three bedroom standard semi will attract a reasonable number of buyers, a Windmill is much more of a niche home

Even if you get the finance to buy, you still have to insure the unusual property. “Many direct insurers often do not take on unusual properties, You will need to use a specialist insurance broker as many unusual properties tend to be insured via specialist schemes or underwriter in the Lloyds Market and not via the standard company insurance market. A thatched roof, for example, can be much higher risk than a regular tiled roof and the insurer will want to see that it is well-maintained. A problem with listed buildings is that they are often inadequately insured so a specialist insurer will send out a trained valuer to ensure this is not the case. Rebuilding costs can be higher than on standard properties because of unique architectural details which would be expensive to recreate

There are rarely comparable properties on which to base a valuation When buying or selling an unusual house you are operating in a very small market, which works differently from the mainstream market The difference between the value attributed to the house as simple bricks and mortar, and what it will be worth to the right buyer, is huge. The sale of an unusual house will not be dependent on price, but on the taste of the buyer. Sellers of unusual houses need to factor in from nine months to a year when they decide to sell, which is something they should bear in mind when they buy the property. A big disadvantage of putting a unique property onto the open market is that it will attract sightseers rather than serious buyers, so although agents may get a lot of people through the door, none of the viewings may turn into offers or sales. What’s more, sales will not be price motivated, so dropping the price after it has been on the market a while will not make a lot of difference.