Can You Turn Your House Into a Holiday Let?
August 18, 2025
Turning your home into a holiday let can be a great way to boost your income and make the most of a property you’re not
Finding reliable timber-frame house insurance can be difficult due to the unique materials and structure of these homes. Many standard insurers do not cover non-standard construction, leaving homeowners with limited or unsuitable options. Policy Powerhouse provides a specialist solution. With over 30 years of experience, we arrange house insurance for timber-framed houses that reflects the real risks and requirements of these properties.
Whether your home is modern, traditional, or used as a holiday property, we help you secure appropriate cover quickly and efficiently. Request a quote today and get the right protection in place.
We work with providers experienced in non-standard construction.
Policies designed around your property’s specific risks.
Options available if you’ve been refused elsewhere.
Timber-framed properties present risks that standard policies are not designed to handle. Fire risk is higher due to the nature of the materials, which can increase both damage severity and rebuild costs.
Repairs can also be more complex. Timber structures often require specialist workmanship and materials, particularly in older or listed buildings. Issues such as moisture damage, tor, and pest infestation are more common and may not be fully covered under standard policies.
Because of this, many insurers are reluctant to offer cover. Specialist insurance for timber-framed houses addresses these factors directly, ensuring appropriate protection is in place.
What is a timber framed house?
A timber-framed house is built around a structural timber framework that supports the building. The timber frame carries the load of the walls, floors, and roof. In many UK properties, the timber structure is hidden behind brick, render, or cladding, so the home may look standard from the outside.
Why standard home insurance may not be suitable
Most UK home insurance policies are designed for brick or stone properties. As a result, home insurance for timber frame properties is often classified as non-standard. This can lead to declined applications of policies that exclude key risks. Specialist timber frame home insurance ensures the structure, materials, and associated risks are properly considered, giving more accurate and reliable cover.
Buildings insurance for timber-framed houses
A timber-framed house insurance policy typically covers the structure of the property against risks such as fire, flood, storm damage, and subsidence, where applicable. It also reflects the true rebuild cost, including specialist labour and materials.
If your property is not occupied year-round, additional protection, such as unoccupied property insurance, may be required to maintain full cover.
Contents and optional extras
Policies can include cover for personal belongings, including furniture and valuables. Optional extras are often available, such as accidental damage, home emergency cover, legal expenses, and alternative accommodation.
For properties used commercially or left vacant, options such as unoccupied commercial insurance can be included where relevant.
**Conditions: We will beat or match any price for equivalent cover, or we will give your money back (within 14 days of the cover starting)
Yes, home insurance for timber frame house properties is available. The key is working with a specialist provider.
Many mainstream insurers do not cater for timber construction, which is why applications are often declined. Specialist brokers have access to insurers who understand these properties and are willing to underwrite them correctly.
If you have been declined elsewhere, alternative options are still available. Timber frame house insurance can be arranged with the right expertise and access to specialist markets.
The cost of timber frame home insurance depends on several factors. Premiums may be higher than standard homes, but pricing varies based on individual circumstances.
Factors that influence cost include:
A specialist approach helps ensure pricing is based on accurate risk assessment rather than general assumptions.
We arrange timber-framed house insurance for a wide range of properties, including:
Cover can be arranged whether the property is occupied, used as a holiday home, or temporarily unoccupied.
Arrange your timber frame house insurance with a specialist provider. Policy Powerhouse offers a simple process, expert guidance, and access to tailored policies.
Request a quote today to secure appropriate cover for your property and avoid gaps in protection.
Yes, many standard insurers see timber frames as higher risk, particularly for fire. Specialist providers offer tailored solutions.
Costs can be higher due to fire risk and rebuild complexity. Pricing depends on construction, location, and safety measures.
Yes. Specialist providers can often arrange cover where standard insurers cannot.
Timber frame insurance typically includes buildings insurance, contents cover, and protection against risks such as fire, flood, and storm damage, with optional extras available.
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