Non-Standard Household & Landlord Cover

Granite Underwriting are excited to say that we will be exhibiting at BIBA 2019 for our second year! In anticipation of this, we are showcasing each of our specialist areas of insurance. Here, we are demonstrating the unique benefits of Granite Household Insurance.

Please come along and visit us at stand D69, on the 15th and 16th of May, where we’ll be happy to discuss our non-standard home insurance in person.

One of the foremost benefits of our household policies is our 24 hour home emergency assistance. This is standard for most of our policies and covers up to £500 per claim (unfortunately, this does not apply to any unoccupied or holiday homes). We also provide No Claims Bonus protection as an optional extra, at 5 years NCB. This covers 2 claims in a 3 year period.

We look to compete in areas that are not well supported by traditional household insurers. Our pricing and underwriting is of a bespoke nature, which enables us to understand each risk on its own merits. All quotes are underwritten by our experienced, knowledgeable underwriters, who will consider all types of complex risks.

Granite Underwriting specialises in non-standard household and landlord risks, listed below:

  • High risk flood areas and previously flooded properties
  • Unoccupied properties – 3, 6 & 12 month policy terms
  • Extended periods of being unoccupied
  • History of subsidence
  • Working from home
  • Non-standard construction
  • Tenants’ contents
  • Residential landlord properties
  • Holiday homes – personal use (family & friends)
  • Weekday/weekend homes
  • Voided/refused insurance
  • Adverse claims history & open claims
  • CCJs/bankruptcy/convictions
  • Lodgers
  • Airbnb (when the client resides at the property
  • Motor Traders residential properties

High Risk Flood

Previously flooded properties, or properties that are in an area of high flood risk, will be considered. Our underwriters will look at each risk on an individual basis.


Most insurers will refuse properties that have suffered subsidence or have previously been underpinned. At Granite Underwriting, each risk is assessed and underwritten on an individual basis; our experienced underwriters will access any documents relating to movement and offer competitive terms.

Unoccupied Properties

We can rate for all circumstances that lead to a property being unoccupied, whether that’s probate, extended holidays or renovation. We also offer 3 levels of cover, so you can decide what best suits the needs of your client.

Residential Landlord

In an active response to brokers needs in the sharing economy, Granite Underwriting now cover residential landlord properties. Our policy is built to cover all your non-standard risks such as subsidence, flood, non-standard construction or refused/voided policies and continues to include home emergency cover as standard within the landlord policy

Motor Traders Residential Property

Finding home insurance for a Motor Trader who works from home can prove difficult; if they have no more than 5 cars at the home at any one-time, Granite can cover that risk.

Non-Standard Home Insurance

There are a number of personal conditions which could result in cover being refused by most insurers. These include voided insurance, adverse claims history, open claims, CCJs, bankruptcy and convictions. Our underwriters will always assess these and try to provide adequate cover with reasonable terms and rates.


We can extend your client’s needs to letting a room out to a paying guest, while the client resides at the property at all times.

Granite Finance provides finance solutions for Granite Underwriting clients, making the whole payment process as straightforward as possible. Please visit the website for more information.