Dedicated timber frame house insurance
We have designed specialist policies specifically for timber frame houses. We’d therefore be happy to look at your risk and provide you with a competitive quote for timber frame house insurance. We work with top UK underwriters to make sure your property will have the best cover in place when you need it the most. We can cover older style wooden construction through to modern, modular, wooden frame builds.
- Buildings cover up to £1.5million
- Contents cover up to £150,000
- Personal possessions up to £40,000
- Trace & Access cover up to £5000
- Optional home emergency cover
- Full online quote and immediate cover option
- Manage your policy online
- Standard excesses apply
- 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. Alternatively, chat with us online via our livechat option (bottom right).
MORE ABOUT TIMBER FRAME HOUSE INSURANCE
Types of timber frame we cover;
Timber frame remains a popular choice. As shown by the fact that around a third of self-build properties use this building method. Barn conversions in particular frequently use wooden frame bases. Below are some of the most common construction methods:
- Open-Panel Systems
This type of timber frame consists of timber studwork fixed in place with sheets of plywood. This creates a rigid box known as an open panel. Insulation is added to this on site with external wall elements then built up around the insulation.
- Closed-Panel Systems
Very similar to open-panel systems, although those leave a lot of work left to be completed onsite. Close panel systems are largely completed within a factory, as a form of modular construction. As a result the process is made quicker with less time spent on site.
- Structural Insulated Panels (SIPs)
SIP construction is sometimes referred to as timber frame without the timber! Insulation that is bonded within an interior and exterior wall lends the panels their strength. It can sometimes be difficult to be sure of the differences between SIP construction and traditional timber frame but most SIP systems have some form of timber frame encased within them.
- Cross-Laminated Timber
The walls are made of solid timber in this construction method; either cross-laminated or engineered timber panels. It provides a very strong building and allows the timber used in construction to be shown off to its best advantage. However, construction on site is necessary for this type of timber frame.
Original panel systems remain the cheapest to produce although the more expensive options can offer greater savings longer term due to their increased energy efficiency.
How do I know if I have a timber frame property?
From the exterior, it is often difficult to tell whether timber has been used to build your home’s structure. The best way to check is to consult your mortgage report. Alternatively, if you don’t have access to a report, a local surveyor will be able to assist you further.
Are you finding it difficult to insure your timber frame house?
Many mainstream insurers often view a timber-framed construction as a ‘non-standard’ property. The result is an increase in their prices to cover such a risk, especially when seeking insurance for an old timber framed home.
We’ve outlined two common problems with timber houses below;
Vulnerability to fire
Any wood frame building is susceptible to fire damage given the nature of the materials used during construction.
Timber frames are very lightweight. In some instances, no foundations are used to build timber homes. Such shallow foundations can therefore lead to cases of subsidence, where you may see cracks in your external brickwork and internal plasterwork.
Older timber frame house cover
Timber framing is one of the oldest surviving methods of property construction. At least a partial timber frame structure will have been used in many old buildings. This is largely because timber was one of the most available materials at the time when these properties were built. Good examples of this can be seen in Tudor Buildings. We are able to provide timber frame house insurance for properties of a variety of ages.
Need a little help quoting for your timber frame house insurance?
We have our insurance experts standing by to help you through a quote for more complex situations. As a result, if you have any questions about how to quote for your type of property, personal circumstances or special insurance needs we can help. Either click to chat at the bottom of this screen or give us a call on 0333 358 3359.