Will my timber framed home insurance be more expensive?
Timber framed home insurance is often slightly more expensive than standard home insurance.
This is because insurers see timber framed homes as riskier to insure.
And there are a few reasons why.
Timber homes are:
At greater risk of fire as the entire frame is wood
More susceptible to flood damage as the frame can rot if it gets wet
Vulnerable to rot even in the absence of flood, as the frame is wooden
Liable to develop dry rot due to fungal growth in the frame
Liable to pest infestation from beetles and other insects, putting the frame at risk
What our home insurance expert says
If you have a new build timber frame home, getting insurance is simple and you should be able to find cover through a standard provider. But if your home is older, it can be a little trickier. Get a quote today and we'll walk you through your options.
Home insurance product manager