Dedicated Cover For Prefabricated Homes

Prefabricated and modular build properties are one of the risks we can cover at CoverBuilder. You can quote and buy online, which means you don’t have to go through your details over the phone. Our questions are designed to offer cover for many specialist build types and designs that require home insurance.

  • Competitive premiums for prefabricated home types
  • Wide acceptance of prefab construction types
  • Includes listed, self-built post-war prefabs and modern kit-homes
  • Buildings and contents cover available
  • Standard excesses apply
  • Manage your policy online
  • Optional home emergency cover
  • 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).



illustration prefabricated home insurance


What is a prefab property?

A prefabricated home is a form of home that has been largely built off-site. It is then transported to a different location for assembly. Prefabricated concrete houses were a used a lot after the Second World War as they were built as temporary accommodation after the devastation of the Blitz. Despite their old-time character, they are still home to several thousand residents right across the UK. Their advantages include their ease and speed of building. However, there is often some difficulty in finding the correct mortgage and house insurance for prefabricated buildings.


prefab section being lowered


Why do prefab homes require specialist home insurance?

When you try to take out an insurance policy, your insurer will look at your property’s risk. This therefore means the higher the chance of a claim and the likely cost of such claim, the higher the price you’ll be charged.

Prefabricated homes are often seen as non-standard and high-risk, largely because they can be easily damaged by fire and wind. Often it is the case that a small bit of damage can mean a big area of the property needs repairs. This is because of the modular building process.

Most mainstream insurers don’t want to cover non-standard properties. This includes steel frame and timber frame homes. However, you must state the materials used to build your house to make sure you are paid in the event of a claim.


builders constructing prefab property


Where can I get insurance for my prefab home?

Even if your home isn’t standard build, we don’t think you should be punished with turned down insurance or high price. At CoverBuilder, we’ll do all that we can to cover the roof over your head, even if it’s built from “hard-to-insure” materials.

prefab home