UK homeowners who live in unique or historical buildings may wish to think about getting specialist home insurance. Here are some things to consider when obtaining a home insurance quote for your non-standard building. If you reside in a flood-prone area, you may need flood insurance. Insurance for fire-prone thatched homes must cover both the loss and the rebuild cost. If your house was built utilising timber frame using the old techniques, it should still be insured. Keep in mind that in case of substantial damage to your unique building, it’s better to have a good specialist home insurance.