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Specialist Home Insurance

If you own a property that is considered 'non-standard', such as a listed property, a converted home, a second home, or even a property with a flat roof then you'll need specialist home insurance to ensure you are properly covered.

N&P are the experts in specialist home insurance.

Our highly experienced team will work hard to tailor the perfect insurance for your home. This means that it will be the right level of cover for your needs. So, no nasty surprises should the worst happen, nor will you be paying for cover that simply isn't needed.

What homes do N&P cover?

If your home's a bit special, an ordinary kind of insurance just won't do. N&P's Specialist Insurance Team is experienced in finding policies for homes that are out of the ordinary, at prices that are extremely down to earth.

Below are some examples of the types of insurance we provide and the homes we cover:      

We also cover log cabins, kit homes, Wimpey no-fines houses and homes with flat roofs.  

If your property type isn't listed don't worry, just give us a call 01223 273 118 and we'll do all we can to ensure we find you the right cover at the right price.

Exclusions and limitations apply. Our expert advisers will aim to get the most appropriate cover for your individual needs. We'll talk you through exactly what's covered and what's not, including any limits that apply when you call for a quote.

Even with the best insurance and the most helpful emergency support, the experience of a break-in, a flood or a fire can be very upsetting. 

Here are a few suggestions that could reduce the chances of something going seriously wrong.

FIRE - Smoke detectors save lives, fit at least two devices one within the ground floor and one on the upstairs landing...read more
  • Smoke detectors save lives. Fit at least two devices, one within the ground floor hall and one on the upstairs landing, preferably close to the head of the stairs. Remember to check that the batteries are still effective at least once every 3 months, and lightly vacuum clean the elements at least once a year.
  • Check your electric sockets, if there are too many plugs hanging off one power point, spread them around or have more power points put in. Consider having an additional residual circuit breaker.
  • If you have open fires, have the chimneys swept regularly. Use a fireguard when children are around or when drying clothes.
  • Don't let children play with matches or fire.
  • Don't leave hot fat or oil unattended on the cooker, if it catches fire, smother it with a fire blanket or damp cloth - not water.
  • Never use a gas appliance if you think it's not working properly. Signs to look out for are soot and stains around the appliance and a pilot light that often blows out. Never cover it or block the air vents.
  • Have your heating system and all gas appliances serviced regularly

FLOOD & BURST WATER MAINS - Protect all your pipes and tanks with proper lagging, to prevent water freezing and reduce your bills too!...read more
  • Winter brings the threat of frozen pipes that can flood the house. Around 300 gallons of water can gush out of a burst pipe in a single hour; if you are away, or if you don't know how to turn if off, the effect can be devastating.
  • Find out where your main stopcock is and check that you can turn it off and on. If you can't move it, don't be tempted to hit it with a hammer, contact a plumber instead.
  • If you go away in winter, leave your heating on at the normal setting, and ask a neighbour or relative to call in from time to time to check the pipes. Make sure they know where the stopcock is. If you don't have central heating, turn off the mains stopcock and drain the water system before you leave.
  • If a pipe bursts, turn off the mains stopcock, turn off the central heating system and turn on all the taps.
  • If you find a frozen pipe yourself and decide to defrost it, use gentle heat such as hot water bottles or cloths soaked in hot water, and remove any items that may be damaged by a burst.
  • If you live in a flood area, and you receive a flood warning, reduce the possibility of damage by acting quickly. As much as possible should be moved upstairs, especially electrical items and valuables and personal items that can't be replaced easily, like pictures and photographs.

CRIME - Never leave keys under the mat or where they can be easily found...read more
  • Install a burglar alarm and remember to set it whenever you are out of the house. Make sure it is maintained and clearly visible.
  • Make sure that you have good quality locks fitted to your outer doors, and key operated locking devices fitted to your windows. If you are a tenant you may be able to get the council or landlord to fit them.
  • Check that your doors are strong enough. Glass panels near locks are especially vulnerable.
  • Fit exterior lights, such as those with sensors that switch on when they detect something within range.
  • Use time switches - available from DIY shops - to turn on lights etc., when you are out, to make the house look occupied.
  • Don't keep large sums of money at home. If you have valuable items (such as jewellery) keep them in a safe deposit box rather than in your house.
  • Keep cash, keys and credit cards out of sight.
  • Join "Neighbourhood Watch" if there is one in your area. Arrange with your neighbours to watch your house if you are away.
  • Design your garden for security. If the walls or hedges at the front are too high they can allow thieves to attack your doors or windows while out of sight from the street. At the back, make walls harder to climb with materials that do not offer an easy grip, such as light fencing, trellis, or anti-climb resin.
  • Give your shed or garage a proper locking system and consider connecting it to the burglar alarm. Bicycles and motorcycles in the garage should be locked to ground anchors, and tools locked away. Ladders should be chained up, as they can be used to get into upstairs windows.
  • If you go away, remember to cancel the milk and papers
  • Get a friend or neighbour to look after the house when you are on holiday, to collect mail and generally make the house look lived in.
  • If you own a bicycle, "lock it and list it". In other words, even if you leave it just for a minute always lock it with a good quality lock to something solid. If you have quick release wheels take the front wheels off and put the lock through both wheels. To help the police (who have to auction thousands of unclaimed bicycles every year) make a note of its details and take a clear colour photograph. Ask your bicycle dealer to stamp your postcode on the frame with a coded cycle sticker to warn off thieves.
  • Use ultra violet pen, readily available from stationery stores, to mark your postcode and house name/number on all valuable and portable items of property.
  • Take photographs/video of valuable items, such as jewellery, watches etc. Remember to put a scale (e.g. ruler) in the picture. This can provide the police with valuable evidence in the aid of recovery of your property. (Try to store the photographs elsewhere than in your property).