Personal Circumstances Home Insurance

Get great value for money Personal Circumstances Home Insurance today with InsuraHome!

Quote Policy Wording
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Personal Circumstances Home Insurance

Personal Circumstances Home Insurance

Unfortunately, some people may find it difficult to find a Home Insurance policy that meets their needs due to personal circumstances, that's where InsuraHome's Personal Circumstances Home Insurance comes in as it can cater for people with bad credit, bankruptcy and more.

InsuraHome Personal Circumstances Home Insurance is a non-standard Home Insurance product that provides a judgement free, professional and discreet service, with various adverse personal circumstances accepted.

As a part of the InsuraHome range of Non-Standard Home Insurance products, Personal Circumstances Home Insurance aims to assist individuals where some other Home Insurance providers won’t.

Our specialist non-standard home insurance policies can be adjusted to meet your needs, with ability to provide cover for both buildings and contents, with the option to include Legal Expenses cover. With a tailor-made case-by-case approach, InsuraHome Home Insurance can provide you and your property with the protection required.

Click Here to Request a Quote >>>

Or speak to an InsuraHome Personal Circumstances Home Insurance specialist by calling +44 (0) 1483 806 815

Available for:

  • People who have been declined, rejected or cancelled by insurers elsewhere due to personal circumstances, such as having been previously declared bankrupt, bad credit or having previously made multiple claims.
  • Residential properties with irregular occupancy.
  • Occupied residential homes.
  • Properties situated in England, Wales, Scotland, Northern Ireland, The Isle of Man and The Channel Islands.

Please Note: We do not provide cover for thatched roofs at this time.

Cover for a Number of Perils can be included, such as:

  • Fire, lightning, explosion or earthquake
  • Aircraft and other flying devices or items dropped from them
  • Storm, flood or weight of snow
  • Escape of oil from a fixed domestic oil-fired heating installation or smoke damage caused by a fault in any fixed domestic heating installation
  • Subsidence or heave of the site on which the buildings stand or landslip
  • Accidental Damage to Fixtures and Fittings
  • Accidental Damage to Services
  • Professional Fees & Expenses
  • Theft or attempted theft
  • Falling trees, telegraph poles and lamp-posts
  • Sale of Property
  • Replacement Locks
  • Unauthorised use of Electricity, Gas or Water
  • Escape of water from frost or frost damage to fixed water tanks, apparatus and pipes.
  • And more!

Click Here to Request a Quote >>>

Or speak to an InsuraHome Personal Circumstances Home Insurance specialist by calling +44 (0) 1483 806 815

Main Features of InsuraHome Personal Circumstances Home Insurance Cover

The following limits are provided automatically unless a higher limit is requested. To view the full list of cover available, please refer to the Policy Wording.

Buildings Insurance

Cover Limit (£)
Accidental Damage Optional
Garden, plants and shrubs Up to £2,500
Loss of Rent / Alternative Accommodation 25% of buildings / 24 months
Replacement Locks Up to £5,000
Trace and access Up to £5,000

Contents Insurance

Cover Limit (£)
Accidental Damage Optional
Contents of outbuildings Up to £5,000
Contents in the open Up to £1,000
Home business contents Up to £5,000
Loss of metered water/oil Up to £5,000
Temporary increases Up to £5,000 (£1,000 per item)
Electronic data Up to £2,500

Valuable and Personal Possessions Insurance

Cover Limit (£)
Accidental Damage/Loss Optional
Valuables and personal possessions Optional - Single Article limit of £2,500 unless otherwise stated on the schedule.

Liability Insurance

Cover Limit (£)
Accidents to Domestic Staff £10,000,000
Legal Liability to the Public £5,000,000


Click Here to Request a Quote >>>

Or speak to an InsuraHome Personal Circumstances Home Insurance specialist by calling +44 (0) 1483 806 815

Contact us

If you wish to speak to one of our Home Insurance Specialists:
Call: +44 (0) 1483 806 815
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).

For Claims information, please click here

How do I get an InsuraHome Personal Circumstances Home Insurance Quote?

At InsuraHome Home Insurance we aim to provide you with a first class customer service experience to ensure you are getting the protection you require.

To get an InsuraHome Personal Circumstances Home Insurance quote click the ‘Request a Quote’ Button and complete the online form. Alternatively download and complete an application form located on the ‘Policy Documents’ page and email it to

Click Here to Request a Quote >>>

If you would like some assistance when completing your application form do not hesitate to call our InsuraHome Personal Circumstances Home Insurance specialists on +44 (0) 1483 806 815

Why Choose InsuraHome Insurance

InsuraHome features a range of great benefits as standard. InsuraHome also features some great add-ons for you to tailor your policy and so you only pay for the additional cover you need.

  • Loss or Damage caused by Fire, Smoke, Explosion, Lightning or Earthquake
  • Loss or Damage caused by Storm, Hail or Weight of Snow
  • Loss or Damage caused by Flood
  • Loss or Damage caused by the escape of water
  • Cover for Theft or Attempted Theft
  • Facility to transfer any no claims history from a previous insurer
  • A choice of policy excess – £100, £250, £500 or £1,000
  • Covers the cost of alternative accommodation if your property is left uninhabitable due to an insured event
  • Cover in case of Subsidence, Heave or Landslip is available
  • Accidental Damage cover is available
  • Online Policy Documentation
  • We don't store credit card details
  • + Lots more
More InsuraHome Details

Here at InsuraHome, we aim to provide cover when other Home Insurers say no!

What's more, we can provide Home Insurance for Home's that do not fall into the criteria to be termed a 'Standard Household'. So whether it's a Holiday Home in Europe, a property that has a non-standard construction type, or you have challenging personal circumstances, we can offer policies to you.

We review each and every application on a personal, case by case basis, customising your specialist Home Insurance to meet your individual needs! Our highly trained Home Insurance specialists will provide you with a fast, friendly, and professional service at competitive pricing.

Please Note - When purchasing Home Insurance you will be required to provide the rebuild cost of your home to the insurers. If you are unsure of your rebuild cost, please either request a rebuild cost assessment from a chartered surveyor or use the Rebuild Cost Calculator below

Rebuild Cost Calculator

House Rebuild Costs

When taking out Home Insurance, you are insuring your house for the cost of rebuilding it to the same standard as it is now, you are not insuring it for its value on the open market. When quoting you for a Home Insurance policy we will ask you for the rebuild cost of your home.

If you are not sure how much it would cost to rebuild your home then you can either have a rebuild cost assessment carried out by a Chartered Surveyor (which some insurers prefer) or you can use the house rebuild cost calculator below.

Rebuild Cost Calculator

How do I get a Quote for Personal Circumstances Home Insurance?

It’s quick and easy to get a Personal Circumstances Home Insurance quote.

Just click the ‘Get A Quote’ button to get an online quote for Personal Circumstances Home Insurance.