Home Insurance for Timber Frame Properties

If your property is made of a timber frame design, we’d be happy to assess the risk and provide you with a competitive quote for property insurance. We work with top UK insurers to ensure that your property will have the appropriate cover in place when you need it the most. We can cover older style wooden construction through to modern, modular, wooden frame builds.




Timber Frame House Insurance


Types of timber frame we also cover;

Timber frame in constantly increasing in popularity, with around a third of self-build properties estimated to be constructed using one of the various methods. Older buildings such as barn conversions will often be made of this construction type too. We’ve outlined some of the most common construction methods below:

  • 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 which insulation is added to on site. External wall elements are then built up around this.

  • Closed-Panel Systems

Very similar to open-panel systems, which 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. This means minimal time is spent on site making the process quicker.

  • Structural Insulated Panels (SIPs)

SIP construction is sometimes referred to as timber frame without the timber! The panels obtain their strength from insulation that is bonded within an interior and exterior wall. 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.

SIPS Structural insulated panels Insurance

  • Cross-Laminated Timber

In this construction method the walls are made of solid timber; 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. This type of timber frame has to be constructed on site.

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 your home’s structure is built using timber. 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. 

Timber frame under construction

Are you finding it difficult to insure your timber frame house?

Many mainstream insurers often view a timber-framed construction as a complex or ‘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.

To help illustrate why such properties are deemed non-standard, we’ve outlined two common problems below;

  • Vulnerability to fire

Any wood frame building is susceptible to fire damage given the nature of the materials used during construction.

  • Lightweight materials

Lightweight in density, timber homes in many instances are built with little or no foundations at all. With such implications in mind, shallow foundations can lead to cases of subsidence, whereby you may experience cracks in your external brickwork and internal plasterwork.


Timber frame house surrounded by scaffolding


Older timber frame house cover

Timber framing is one of the oldest surviving methods of property construction.Many old buildings will be constructed using at least a partial timber frame structure, largely due to the ready availability of timber at the time when such properties were being constructed. This can lend a particularly unique look to many period properties with a timber frame, as this is often incorporated into the design of the property, such as Tudor buildings.


Large timber frame house being built


Need a little help quoting for your timber frame house insurance? Chat online with an insurance expert

Often insurance can involve more complex situations and circumstances, therefore we have our insurance experts standing by to help you through a quote, if you have any questions about how to quote for your type of property, personal circumstances or special insurance needs. Simply click to chat at the bottom of this screen.