"Non-standard" is a term insurers often use to define insurance that falls outside the reach of a normal home insurance policy. Reasons for these markets are due to risk, like "Brush Fires or Protection Classes." Insurance is like the Stock Market, it fluctuates daily; what might be a market today for Standard Insurance Companies, may not be tomorrow due to a disaster or a niche market that that insurer is not going after at the time your looking for insurance, but like stocks fluctuating, a Non Standard Market today may not be the case at renewal. This is why it is good to be with a Insurance Broker for Personal Lines. At renewal of policies I shop you to find the best coverage for your dollar and I don't charge a Broker Fee for Standard Market Policies. I want to retain your business and grow with you and your insurance needs. If you would like to discuss insurance, please call Chris 916-538-9330.