Timber Framed House Insurance

Why choose Howden for Timber-Framed House Insurance?

Howden is the new name for A-Plan. As a specialist home insurance broker, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the collaborative relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing multiple timber-framed house insurance policies, on your behalf, simple and easy. What’s not to like?

Here at Howden, we also know that each policy needs to be as individual as its owner and their house, and that’s why we provide a tailored, personalised service, focused on getting to know you and finding out exactly what you want from your insurance cover.

Ultimately, whether you need to make a claim, purchase a new specialist home policy, or renew an existing one, just know that we’re here to help.

Benefits of working with us:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

How does Timber-Framed House Insurance work?

Timber-framed house insurance works by providing coverage for homes primarily made of wood and timber.

Although timber homes are generally eco-friendlier and cheaper to build, due to the perceived higher risk associated with wooden houses compared to those built from brick or stone, specialised insurance is often required. Not all insurers class modern timber-framed properties as standard either, normally because repairs following a claim can be more expensive than they would be for a brick-built house.

Claims can arise from the following potential risks:

Fire – timber is a fast-burning material, and insurers often ask that fire prevention measures, such as fire alarms, are installed to protect timber homes.

Flooding – brick-built homes are less vulnerable to water damage than timber-made properties.

Timber decay – timber homes that aren’t maintained properly, whilst retaining more and more moisture, can rot and decay over long periods of time.

To avoid being left out-of-pocket as a result of these potential risks, you need a specialist timber-framed house insurance policy to keep you covered. To get a quote, you need to let us know:

• What type of home it is
• When it was built
• How long you’ve lived there
• Whether or not the property needs any more building work done to it
• Whether it has any subsidence
• Whether it has previously been flooded
• What material the walls and roof are made from

Once we have this information from you, we can start right away with sourcing various options on your behalf, before helping you decide which timber-framed house insurance policy could work best for you.