Why Timber Framed Houses Need Specialised Insurance
Timber-framed houses are often testament to architectural heritage, offering homeowners a connection to the craftsmanship of the past. Yet, their construction methods and materials present distinct challenges that demand specialised insurance.
Fire Susceptibility
Timber-framed homes, while beautiful, can be more susceptible to fire-related risks. In the event of a fire, timber’s combustible nature poses a significant concern. Standard insurance policies often fall short in providing adequate coverage for these specific risks.
Specialised Repairs
When repairs are necessary, timber-framed properties require specialised construction methods and materials. These repairs can be more intricate and costly compared to conventional homes. Standard insurers may not fully understand these requirements.
Unique Risks
Timber-framed houses face unique risks, including issues related to decay, structural integrity, and maintenance. Our tailored insurance policies takes into account these specific vulnerabilities.
Non-Standard Classification
In the UK, timber frame homes are often classified as ‘non-standard’ due to their unique construction. This classification can make it challenging to find suitable coverage through standard insurance providers.
To address these challenges and provide comprehensive protection, specialised timber framed house insurance is essential. Our policies are designed to cover the distinctive risks associated with timber-framed homes, ensuring that your property remains secure*.
Key benefits of our timber framed house insurance:
- Comprehensive Cover - 5-Star Defaqto Rated for both buildings & contents
- Instant Online Quotes: we provide immediate online quotes
- Rated Excellent for Customer Service: committed to our customer satisfaction
Frequently Asked Questions
We cover a wide range of timber-framed properties, including old and listed structures, contemporary designs, and eco-friendly homes.
The cost of insurance depends on various factors, including the size and type of your timber-framed house, its location and the condition of the timber frame at the time of commencing your policy.
To get a quote, you’ll need to provide details about your property, such as the size and type of the timber frame, the age of your property, any previous insurance claims, and the general condition of the timber frame.
This information helps us assess the risk and determine the best cover options for you.
Wood rot is a common concern in timber-framed properties. Our timber framed house insurance covers issues like wood rot, provided that the damage occurred during the policy period as well as not being a result of general wear and tear.
We recommend addressing wood rot promptly to maintain the integrity of your home.
Yes, alongside our building insurance, we provide comprehensive contents insurance for your timber-framed house. Combining both buildings and contents insurance can offer you cost savings and simplify your home insurance management.
Alternatively you can opt for separate policies. For current policyholders, adding contents insurance is straightforward and can be done at any time through your online account, ensuring your valuables inside the house are as protected as the structure itself.
Absolutely! Our expertise extends to insuring listed buildings with timber frames. Regardless of whether your property is Grade I, Grade II, or Grade II*, we’re well-versed in the unique requirements and challenges that come with insuring historic and listed buildings.
An Intelligent approach to Timber Framed Properties
Intelligent Insurance approaches timber-framed houses with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.
This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.
We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.
What we provide
What isn't included?
- Caused by wear, tear or gradual deterioration
- That occurred before the policy started
- Caused by vermin, insects, pets
- Caused by dishonest, wilful or deliberate acts
- Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
- you are only covered up to the maximum claims limits shown on your schedule
- you are responsible for any excesses stated in your policy
- any exclusions or restrictions shown by endorsement in your schedule
Looking for extra protection? Upgrade your cover
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Family Legal Protection Plus
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Optional -
Home Emergency Plus
Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation
Optional -
Accidental Damage
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
Optional
Still have questions? Visit our help centre
Comprehensive Insurance for Timber Framed Buldings
Our Timber Frame insurance is intelligently crafted to provide robust protection for your property, addressing the unique challenges of a timber frame construction.
Key benefits and cover options include:
- High-Quality Defaqto 5-Star Rating
- Flexible Payment Options
- Optional Legal Expenses Insurance
- Optional Accidental Damage
- Optional Home Emergency
Get an online quote for your Timber Frame Home Insurance, tailored to your needs
For help with your quote, use our online chat to speak with a member of our team
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
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