Steel Frame Home Insurance
We specialise in providing steel frame home insurance. This can be properties with various, non-standard, construction methods and in addition to being from various periods.
Included in our list of benefits, you’ll also receive;
- Buildings cover up to £1.5million
- Contents cover up to £150,000
- Trace & Access cover up to £5000
- 24/7 claims line & support
- Competitive premiums for this construction type
- Standard excesses apply
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Often insurance can involve more complex situations. Therefore we have our insurance experts standing by to help you with a quote. Just select the LiveChat icon in the left hand of your screen to chat!
MORE ON STEEL FRAME/BISF PROPERTY INSURANCE
Why are steel framed properties difficult to insure?
With building materials varying a lot across the UK, there is a high chance that you, yourself are a non-standard homeowner. If your property has been built with a steel frame, you will need to use a specialist home insurer so that your home is suitably covered.
Steel framed house insurance
Insurers are often very cautious when it comes to offering steel frame home insurance. This is mainly because they see such materials as non-standard, and a high insurance risk. A big factor in working out the cost of a premium is the total rebuild cost of a property.
When a property is built using steel or timber frame, mainstream insurers think the materials are at greater risk of deterioration. This, in turn, can lead to large-scale damage to the property. Consequently, many insurers will return a high price or in some cases, refuse the insurance completely. Steel framed homes, in particular, have been known to develop structural defects over a period of time. Often this is as a result of the corrosion of the metal.
The benefits of steel frame homes
Such materials are still being used to this day in the building of modern, state of the art homes. Whilst they are characterised by their ease of building, their lightweight nature, and their affordability, steel frame buildings can be both difficult and costly to insure.
- Excellent strength to weight ratio.
- Flexible use in design
- Long open spans are achievable.
- Quick to build as sections are prefabricated offsite
- Steel is 100% recyclable and can be recycled indefinitely.
- Doesn’t warp, split or crack.
Steel can also reduce waste, the Waste Resource Action Programme (WRAP) suggests that around 60% of structural steel content sourced in the UK is recycled.
- The steel must be galvanised during manufacture reduces corrosion.
- Measures must be taken against fires as steel softens at high temperatures.
More information on building your own steel framed property can be found on the Self Build Guide website here.
We welcome customers with BISF properties.
With CoverBuilder you can quote 100% online for your steel frame home insurance. Simply select the build type during the quote to get an instant price and buy online.
BIFS houses are steel framed houses built by the British Iron and Steel Federation from 1946. Approximately 50,000 homes were built across the country. They were mostly built in pairs but there were also terraces.
The BISF house is a pre-fabricated steel design. The original design was built with a shallow pitched asbestos roof, panelling to the upper level and render to the ground level. Between the metal frames are timber struts and insulation with an inner plasterboard. The design originally had a lifespan of between ten and twenty years.
BISF houses are often confused with other prefabricated houses built in the same post-war era. BISF Houses are often wrongly thought to be temporary structures. This is another reason that mortgage companies place more stringent conditions when offering on these properties. However, if looked after properly these properties should have a similar lifespan to that of a traditional brick built house.
Specific BISF property issues
- Roofing can contain asbestos which is hazardous to health if disrupted.
- BISF house structure can suffer deterioration at the base of the steel structure and window surrounds. Rooms with humidity such as bathrooms and kitchens can also be vulnerable.
- The insulation used in construction can result in condensation. This can cause a problem due to the rectifications works needing to be done with the neighbouring property.
Home Insurance for specialist property builds
If you have any of the following property types, we have a specialist steel frame home insurance policy to match your needs.
Blackburn Houses, Crane Houses, Hawksley Homes, Newland Homes, Riley Homes and British Iron and Steel Frame Houses