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Specialist Home

Speak to an underwriter or buy online direct from Pen

Contact an underwriter on 01403 321007 for a bespoke quote or use Pen Central, our e-trading hub

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Struggling to find insurance for a client with a unique home? Our Specialist Home insurance provides cover for homes that are typically difficult to place, like listed buildings or homes used for Airbnb rentals.

But our product is not just designed for specialist homes, it's also for customers who have standard homes but specialist needs, such as customers in the middle of a renovation or customers with an unusual occupation, or customers who simply want the flexibility of increasing their policy limits.

You’ll find us easy to do business with; brokers buying from Pen Central, our e-trading hub, can instantly quote and bind cover, and because Pen Central is full-cycle there's no need for re-keying at renewal or MTA. Plus, whether you buy from Pen Central or get a quote from an underwriter, our product offers competitive rates.

YOU CAN ALSO BECOME A DELEGATED AUTHORITY ON THIS PRODUCT. GET IN TOUCH FOR MORE INFORMATION.

Who Qualifies?

- Non-standard wall and roof constructions inc. 100% flat roofs
- Homes undergoing renovations or works
- Underpinned or subsidence affected
- Listed properties
- Holiday/Weekend/Weekday homes
- Shared accommodation including lodgers and Airbnb
- Business use: clerical and non-clerical
- Let properties
- Unoccupied properties
- Customers with unusual occupations
- Customers with unbalanced sums insured
- Customers with an adverse claims or financial history
- Customers with criminal convictions
- Standard risks where higher limits are required

What's covered?

- Buildings up to £1,000,000
- Contents up to £250,000 (up to £500,000 on referral to an underwriter)

We include many additional coverage benefits as standard, please see the Summaries of Cover for full details and sub-limits.

Optional cover extensions are also available on request (on payment of an additional premium):

- Extended Accidental Damage to Buildings and/or Contents
- Valuables and Personal Possessions whilst away from home
- Domestic Deep Freeze
- Pedal Cycles and Money and Credit Cards whilst away from home

Does your client also need?

  • Pen Solutions Acturis, TGSL & CDL Standard & Non Standard Household via EDI
    View
  • Premier Home Pen Central Mid-net worth household cover from Pen's own e-trade platform
    View

For an bespoke quote, use the application form below. For all other documents, scroll to the bottom of the page

  • Specialist Home from Pen Download the information on this webpage as a brochure
  • Personal lines from Pen Solutions for brokers
  • Application Form For policies which are manually underwritten
  • Products on Pen Central Information about Pen Central and its products

Contacts

Questions about the Pen Central product?
01403 321193
Email
Trade with an underwriter
01403 321007
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Claims

Need to report a claim? Call our specialist team 03301026062

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Need to register for Pen Central?

Email Us

Added Value

Looking for a document?

All our wordings and summaries of cover are available here

Go to the Specialist Home Document Library

Pen Central

e-Trading has a reputation for playing it safe, but that isn’t Pen’s approach

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Get a cyber quote from Pen Central in 3 minutes

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Did you know Pen also offers:

Drainage, Jetting and Environmental Contractors

Specialist cover including low, high and ultra-high jetting

Learn More

Excess of Loss - Professional Indemnity

Stand alone Excess Layer cover for PI

Learn More
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