Non-Standard Home Insurance Ireland

Cover for Hard-to-Insure Homes

Finding it difficult to get home insurance? You’re not alone. Many homeowners struggle to secure cover when their property is considered non-standard. Dolmen Insurance specialises in non-standard home insurance in Ireland, helping homeowners protect properties that don’t fit the usual insurance mould.

We specialise in protecting homes that don’t fit the usual insurance mould — from unusual construction to properties with complex insurance histories. If you’ve been refused, declined, or cancelled elsewhere, Dolmen can help.

Why Choose Specialist Non-Standard Home Insurance?

Standard insurers often decline properties that fall outside typical risk profiles. Specialist non-standard home insurance ensures your property is assessed individually, providing tailored cover that reflects your home’s construction, history, and unique risks.

What is Non-Standard Home Insurance?

Our Non-Standard Home Insurance is designed for properties that traditional insurers see as “higher risk”. These include:

Homes with non-standard construction materials
Properties with flat roofs or bespoke designs
Listed or heritage buildings
Houses with subsidence history or underpinning
Homes in flood-risk areas
Properties with irregular occupancy (e.g. holiday homes, unoccupied houses)
Owners with adverse claims history, convictions, or bankruptcy

If you’ve struggled to find cover, Dolmen can provide tailored solutions – including protection for your home, contents, and even public liability.

Frequently Asked Questions About Non-Standard Home Insurance

What is non-standard home insurance?

Non-standard home insurance is designed for properties that may fall outside the criteria used by standard home insurers. This can be due to factors such as the property’s construction, location, condition, occupancy, claims history or other unusual characteristics.

Specialist non-standard home insurance can provide an alternative for homeowners who may find it difficult to arrange suitable cover through standard insurance providers.

Why might a home be considered non-standard by insurers?

A home may be considered non-standard for insurance for a number of reasons. These can include unusual or non-standard construction materials, flat or unusual roof designs, a history of subsidence or underpinning, increased flood risk, listed or protected status, properties undergoing renovation, or a complex claims or property history.

Each property is different, so being considered non-standard does not necessarily mean insurance is unavailable. A specialist broker can assess the individual circumstances of the property and explore suitable insurance options.

Can I get home insurance if I've been declined elsewhere?

If you’ve been declined by a standard home insurer, specialist home insurance may still be available. Some insurers have different underwriting criteria and may consider properties or circumstances that fall outside standard home insurance requirements.

Dolmen Insurance can assess your circumstances and help explore suitable non-standard home insurance options based on the property and the information provided.

Who do I talk to about Non-Standard Home Insurance?

At Dolmen, we understand that every property is different – and so is every policy. With access to Ireland’s leading insurers and specialist providers in the UK and beyond, we’re able to secure competitive cover for homes that others won’t touch.

Our benefits include:

Decades of experience in Irish home insurance

Independent advice and market comparison

Solutions for declined, cancelled, or refused policies

Public liability cover included as standard

Ongoing support and claims assistance

Talk to Philip’s Team

Personal Lines TEAM

Why not talk to Philip’s team about your insurance needs? With years of experience in personal lines insurance, Philip is here to make sure you get the right insurance coverage.

Reach out today – Just a call or click away!