Carrying out a self build requires significant investment, effort, and dedication to achieve your desired living space. With such a large financial commitment, it’s crucial to safeguard the project against potential risks along the way – especially those more likely to happen during the bad weather months.
Many people overlook this vital aspect during the planning stages and often find themselves digging foundations and building in the winter. Ensuring you have the right insurance and warranties in place from the start is essential to protect your self build project and provide peace of mind throughout adverse weather months.
With the colder months in full swing, many self builders will try to be at least watertight before winter becomes too challenging. However, we know this can’t always be the case and weather conditions can open up a raft of potential risks affecting your build.
Unpredictable weather, storms, and flooding have become more frequent during the winter months, so, safeguarding your self build with comprehensive site insurance is essential.
Why use Self-Build Zone for your Self Build Insurance?
- Expertly designed self build site insurance policies, including public liability and employers’ liability as standard
- 10-year structural warranty insurance backed by secure ‘A’ Rated insurers
- Personal service from our expert team, with over 20 years of experience
- Ability to cover most construction methods, including unusual build types such as ICF, Strawbale, SIPs and more
- In-house technical team who can facilitate your building control and technical audit site visits to help streamline the self-build process
- Flexible site insurance policy lengths – cover available from three months to 24 months.
- Standalone public liability insurance for your plot if you wait for planning permission.
Self build site insurance is necessary to protect your investment when renovating, converting, extending, or building a new home. Our policies cover the new work, any existing structure, and the rest of the site. They protect against losses such as fire, theft, flood, storm damage, vandalism, and accidental damage. Get A Quote
What Should You Look for in a Self Build Site Insurance Policy?
Explore tailored site insurance options with Self-Build Zone for peace of mind. We provide comprehensive policies designed specifically for self-build, renovation, and extension projects. Our packages are backed by ‘A’ Rated insurers, ensuring reliable coverage for your property, works, tools, and liability risks.
Here’s what a robust site insurance policy should include:
- Comprehensive Property Coverage: Your policy should cover the entire property during the self build, even if it’s unoccupied for extended periods.
- Protection for New Works and Materials: Ensure the policy includes coverage for all ongoing work and materials until the project is complete.
- Tools and Equipment Coverage: Opt for a policy that protects tools, equipment, and other valuables left on-site.
- Employer’s and Public Liability Insurance: This is essential to cover injuries to workers or damage to third-party properties during construction.
- Structural Warranty: If you’re using a lender to fund your build or plan to sell the property in the future, a 10-Year Structural Warranty is essential. This is often a requirement for securing a mortgage and ensures peace of mind for any structural issues that may arise after completion.
Looking for a self-build site insurance quote?
When Should I Arrange a Warranty?
A structural warranty should always be arranged before you start on site (usually when you arrange your site insurance). This is because, for a structural warranty to be issued on completion, your project must be signed off by an approved inspector for the required technical inspections of the insurer. You should always opt for an ‘A’ Rated insurer. Find out more
Call the Self-Build Zone team on 0345 230 9874 or visit our website