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If you live in the UK, and in an historical or unique edifice, you should be thinking about getting specialist home insurance. When you plan to get a home insurance quote, here are things you need to think about. Ask about separate flood insurance if your live in a flood-prone area. Unique buildings like thatched home are prone to fire damage and should be covered as far as rebuilt costs are concerned. If your building was crafted from old style timber frames built using traditional techniques, it’s still eligible for coverage under specialist home insurance. Remember that in case of substantial damage to your unique building, it’s better to have a good specialist home insurance.