Specialist barn conversion insurance property cover
We offer full buildings and contents cover within our barn conversion insurance policies. We also have a wide acceptance rate of conversion styles and barn ages. To take out your cover for a converted barn, all you need to do is complete our easy to use quote system. The only important factor to remember is the year of build. This should be the construction year that the original barn and not the year that the conversion took place.
- Cover for the major barn build types and restoration techniques/materials
- Wide acceptance of property ages
- Cover for other outbuildings included as standard
- Listed building accepted and appropriately covered
- Online quote and buy – no lengthy referrals over the phone
- Buildings cover up to £1.5million
- Contents cover up to £150,000
- Trace & access cover up to £5000
- UK based customer services
- Average call centre answer time under 1 minute
Need a little help quoting?
We have insurance experts ready to help if you want to ask a question. Our average call answering is under 1 minute so give us a call on 0333 358 3359 or chat with us online via our livechat option (bottom right).
MORE ON CONVERTED BARN HOME INSURANCE
Barn Conversion Construction Types
As Barn Conversions are all so unique they can be built using a variety of styles. We can cover the following:
Timber Framed Barns
The central space in this barn is separated from side aisles by posts and braces. They give a greater roof span than many other designs. Therefore, the same level of storage can be provided without such high walls.
Cruck Framed Barns
The structure of the buildings depends upon 2 or more ‘A-frames’ which run from the ground up to the top of the buildings. A tie-beam joins the two sides together at the top.
Post and Truss Barns
One of the simplest and probably the oldest style of barn construction. Tie-beams and wall plates join together posts which are fitted into ground sills. The truss is then mounted on top to provide the completed structure.
Box Frame Barns
Barns of box frame construction are made up of wall frames which are connected at intervals by cross tie beams. External walls support the roof which is a separate structural element. This then acts as a lid on a box.
The thick rafters that form the basic support for the barn roof in this design are known as ‘principal rafters’. Long purlins are placed on top of these to support the common rafters. These in turn support whatever material is chosen for the roof. The cranked inner-principals are a fashionable addition that sits within the principal rafters for decorative purposes.
Raised Cruck Roofs
This is a barn constructed of stone with a timber-framed roof. The naturally curved timber leans slightly inwards to give the roof its shape. The total structure is formed by a series of these crucks set on the wall foundations.
A tie beam is a beam that connects the two principal rafters in a roof truss, forming the traditional roof shape. The stone walls of the barn would support this.
Calculating a barn rebuild cost
Calculating a barn’s rebuild cost will require the use of a buildings rebuild cost calculator. Now the renovation and building work is completed your barn will likely have a significantly higher rebuild cost that when it was used as a barn. Remeber that the rebuild cost is the cost to restore the building to the condition it is now in should you suffer a total loss. Examples of this could include a fire that guts the property.
Why not use our inbuilt rebuild cost estimator?
We have a direct link to the BCIS rebuild cost estimator in our quote system. This automatically suggests an estimated rebuild cost for you to use in your insurance quote. Remember, this is an estimate and should be treated as such to avoid under-insurance.
Cover during barn renovations
At CoverBuilder we are able to offer insurance even while you are carrying out renovation works at a property. Unfortunately, we cannot offer construction insurance. Therefore, if you are starting with a completely blank canvas you will need to purchase ‘self-build’ insurance. This will cover you while the basic amenities are connected and the property is made stable and secure.
However, if you are carrying out improvement works, be that an extension, internal restructuring or a kitchen replacement then CoverBuilder will be able to help. Our flexible cover means that should you make alterations to your property down the line, you won’t have to worry about finding new insurance to cover you while this takes place. A call to our helpful staff will be enough to alter your existing barn conversion insurance policy.
If your property has come with a number of outbuildings, these are automatically covered by your CoverBuilder barn conversion insurance policy. This is regardless of the building’s use (although certain restrictions in the cover may apply if you are using them for business.).
This means cover is provided whether you have a modern build summer house or a shed that has been converted into a workspace. However, you should be aware that the contents cover offered within outbuildings does vary depending on your policy. Check particular details carefully before submitting a final quote.
Practicalities of Barn Conversions
Converted barns have seen a huge surge in popularity in recent years. They are often seen as a symbol of the modern ‘escape to the country’ lifestyle aspirations. If you are lucky enough to own a converted barn, or are thinking of doing so in the near future, then you will certainly need to consider the insurance implications. However, make sure to consult a specialist insurance provider for your barn conversion insurance needs.
In recent years, planning laws surrounding the conversion of old farm buildings to residential dwellings have been relaxed. This has made it easier than ever to purchase a barn and turn it into your dream period property. The fact that barn conversions have become so popular, plus the multiple construction and renovation challenges that they present which are not present in new build properties, means that their conversion costs can be much higher than standard properties.
If you are purchasing an empty shell to completely renovate, estimates to complete the work (excluding the purchase price) range from around £800 – £1500 per m2. Costs can soon mount up and amount to totals far higher than you were intending to spend. Stone barns tend to be the most expensive property type to convert, followed by wood. Brick construction barns tend to prove the most cost-effective. It is worth bearing in mind though, that costs will vary largely depending on the condition of the barn and whether you need to pay to install mains supplies such as gas, water and electricity. More information on barn design and renovation can be found here.
Listed barn conversions
Due to their nature of construction and often their age, many barns that are converted into residential properties will also be listed buildings. There will be strict regulations in place which can cause problems during the development stage. The changes can and can’t be made will therefore be dictated by these. Sometimes such legislation can make it difficult to make the changes that you had originally intended. Plans will often have to be altered to everyone’s satisfaction.
Once you have overcome this hurdle, you can often face the second issue of sourcing insurance. Many standard insurers are unable to cover listed buildings because they are constructed from unusual materials and require specialist restoration. These factors can make claims expensive and time-consuming. You can learn more about insurance for listed buildings here. CoverBuilder is able to offer quotes for barn conversion insurance on listed barns, giving complete peace of mind and providing full buildings and contents cover in one easy to understand policy.
Converted barn homes for sale
If you are keen to live in your own barn conversion then you will be looking for the best place to find a new property. Mainstream estate agents sell barn conversions so checking with agents that operate in your area. To find your dream property, there are dedicated sites and companies that you can use. Companies such as Barns etc and UK Land and Farms will likely give you a good place to start your search.