Most UK houses are made from brick or stone with a tile or slate roof. Insurers treat anything that falls outside this trend as ‘non-standard construction’. Insurers can be wary of non-standard homes because the risks and repair costs are less predictable. That means insuring them tends to be more expensive, or there'll be less choice of insurers that'll cover them at all. Getting home insurance for the following types of build could be complicated: Steel or timber-framed buildings Modular and pre-fabricated homes, Huf Haus is one example Listed buildings Cob Bungaroosh Wattle and daub Straw bale Flint Grass and peat turf walls, mostly found in Scotland Non-standard roof materials could be plastic, rubber, shingle or thatched.