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Timber-Frame House Insurance
We can provide timber-frame house insurance, as well as cover for a range of other non-standard construction properties.
- Flexible insurance cover for timber-frame houses
- No-claims discount available
- Pay in instalments (additional cost)
One of the UK's leading independent insurance brokers
Why choose timber-frame house insurance with Towergate?
Timber-frame house insurance knowledge
If you have policy questions or need to make changes, just contact our friendly in-house customer service team.
Up to 25% no-claims discount
You can gain up to 25% no-claims discount on your timber-frame house insurance with five years of no claims.
Pay for timber-frame house insurance in instalments
Pay for your policy via a monthly Direct Debit subject to additional charge.
About timber-frame house insurance
What does timber-frame house insurance cover?
Timber-frame house insurance covers your building against loss or damage to the property due to a range of insured perils such as fire, storms and flood.
Timber-frame house insurance with alternative accommodation cover
Should your timber-frame house become uninhabitable due to an insured peril i.e. fire, alternative accommodation cover pays the cost of staying elsewhere while your home is repaired and able to be re-occupied, up to 20% of buildings or contents cover.
Property owners' liability insurance for timber-frame houses
Property owner's liability insurance covers you if a third party alleges accidental injury or damage to their property in circumstances related to your timber-frame house for which you are responsible. This cover offsets both the costs of your legal defence and any financial costs you are required to pay to the claimant.
Legal protection for timber-frame houses
You can add an additional option for legal expenses cover to your timber-frame house insurance. This covers events including personal identity fraud, and property sale and purchase. This can cover you for legal costs up to £50,000 per insured event.
Timber-frame home emergency assistance
If you add home emergency assistance to your timber-frame house insurance, you’ll benefit from a 24-hour helpline to help you deal with sudden, unexpected events such as plumbing and drainage failure; electricity failure; loss of water; and complete breakdown of the primary heating system and make your home safe and secure again. A team will assist you, including restoring electricity, gas or your water supply if required, and there is no excess to pay.
Using it will also not affect your no-claims bonus under your timber-frame house insurance. There are exclusions however so please contact us for full details or see your policy documents.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 01489 770 325 and explain exactly what happened
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Timber-frame house insurance FAQs
Yes, we can include the same cover for your annexe as the rest of the property under your timber-frame house insurance. It is very important that your building insurance sum insured is adequate to include this. We can also cover the annexe if you let it out. We know you might use your property for multiple purposes and our policies can accommodate for this.
You may be able to insure an unoccupied home on our unoccupied home policy. Unoccupied properties need slightly different cover so it’s important to make sure you get the correct policy for your circumstances. For more information head to our unoccupied property insurance page or call the team on 0344 736 8310.
We have provided a summary of the key features of the policy above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which we will provide a full copy before you buy your new policy and are available during the quotation process.
If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit plan, subject to an additional charge.
When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
You can pay by credit card, debit card or monthly Direct Debit.
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
See our range of cover for homes and properties
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James Cooper
Trading Director - Non Standard Property