self build insurance

self-build insurance

Specialist self-build insurance policies are there to cover you, your tradespeople, and your site from the purchase of your plot, throughout the construction phase and up to 10 years after completion.

There are two main types of policy you should factor into your thinking when planning your project budget.

The first is site insurance. This is required from the moment you buy your plot of land right up to completion of your home. Every project needs it, and lenders will insist you have this in place. Site insurance will protect you against a member of the public injuring themselves on your plot and later your construction site, as well as giving you the peace of mind that if your project is hit by a flood, fire or theft, protection is in place to enable you to complete your build.

The second type of insurance is a structural warranty. This provides you with protection against structural defects and will cover you for complete or partial rebuilding or rectifying work where major damage has occurred which is attributable to a defect in the design, workmanship or materials. If you decide to sell your home, purchasers may request a copy of your structural warranty. If they are financing their purchase through a lender, then there’s a high probability the bank or building society won’t provide a mortgage on property that’s less than 10 years old without a structural warranty in place. It’s notoriously difficult (and expensive) to obtain one retrospectively so putting this in place at the outset of your project is critical.

Even if you are planning your forever home, life can sometimes throw a curveball. If you find yourself in a situation where you need to sell in the first 10 years, without a warranty you would be restricted to a cash buyer and, most likely, a below market value sale.

For more information, download our self-build insurance brochure.

Meet us in person

Why not come and meet the Fleming Homes team in person? We’re there to help you with all your self-build and timber frame questions.

Below are the upcoming exhibitions we’re scheduled to attend. A full list of the shows where you can meet the Fleming Homes team is available on our Events page. Hopefully there’s an event near you soon. If not, just give us a call!

Testimonials

“We are onto our third self-build project. We've used Fleming Homes’ design team for each of our houses and have been delighted with their flexible, friendly and reliable approach to timber frame supply.”

Mr & Mrs Downie, York

“The personal service is excellent and it was reassuring to be able to pick up the phone and speak to someone throughout the self-build process.”

Mrs G Douglas, Nenthorn, Scotland

“Fleming Homes are one of the finest and most client-focused commercial firms we have ever encountered. It was a very happy and positive experience.”

Dr & Mrs Lovegrove, Perthshire

“Pulling all the component parts of a self-build project together is the real challenge. Fleming Homes are extremely helpful in this respect. Their service is exceedingly thorough right through the build process. Working with them is an enjoyable experience.”

Roy Croucher, Brighton

“We first made contact with Fleming Homes at the Harrogate show, and from that initial contact, the whole experience of obtaining a quotation based upon our own design, accepting the quote, converting our design to detailed drawings for production, delivery and erection exceeded my expectations. Excellent service from start to finish.”

Lee McKenzie, Derby

“A great kit, a great company, and a great team. The guys at Flemings are the best I have had the pleasure in dealing with. They really do care, and if you have any queries they will resolve straight away. Friendly, upbeat, positive. I have a few more builds still to go, and you bet I will be using Fleming Homes.”

Steve Owen, Scottish Borders

“Wow, what a whirlwind journey, from arriving on a truck to sign-off of the timber frame in just three weeks. I don’t think I have ever seen anyone work such long hours in freezing conditions, wind, rain and the occasional sunshine! Thank you Fleming Homes for helping make our dream a reality.”

Julie Voller, Chertsey

“I’d happily recommend Fleming Homes to my clients in my planning consultant capacity.”

Kate Jenkins MRICS MRTPI, Director, Ericht Planning & Property Consultants

“Fleming were amazing from start to finish. We could not have done it without them.”

Mr & Mrs Fairley, West Sussex

“Fleming Homes are an all round excellent company to work with. The service provided by every contact I've had has been extremely professional and nothing was a problem. Fleming Homes have been one of the easy parts of building a house!”

Mr. Bulloch, Dunlop, Ayrshire

“I’d do it all again and with Fleming Homes. We are thrilled with our new house and it's turned out far better than we could have ever hoped for.”

Paul Bates, Carmarthenshire

“I would wholeheartedly encourage self-builders to use Fleming without reservation. The product is of high quality and eco-friendly. We had a faultless experience from start to finish.”

Sylvester Dengzee, Ipswich

“We were delighted with every aspect of dealing with your company and our kit home, you could not do enough to help us and answer all our questions so promptly. Also the quality of the kit was excellent. We would use you again without question, your staff were so professional and did a great job.”

Bill Cheape, Edinburgh

“I just wanted to let you know how impressed I  have been by the quality and the professionalism of all your team. They've done a great job and I would be happy to recommend them to anyone.”

Peter Murphy, Buckinghamshire

“A massive thank you for everything you and your colleagues have done for us so far. The service from all at Fleming Homes has been superb. Please pass on our thanks to all concerned.”

Neil Archer-Munro

“An excellent service and each and every call I made to Fleming Homes I felt I was speaking to a good friend.”

Morris Manson

“Fleming Homes have been exceptionally helpful in all aspects of our build. We felt we could always phone for advice and someone would be able to help us out. Everything was clearly explained from start to finish. Cannot fault the company and cannot recommend them highly enough. We moved into the new house in Sept 2020 and are loving it.”

Karen & Martin Young, Northumberland

“We made the right decision going with Fleming Homes, they were helpful, efficient and professional.”

Jess & Tom Nancarrow

“Our sincere thanks for all your assistance with our build. We felt fully supported from start to finish and are so happy with how the house has come together. Thank you for always getting back to us and for keeping us updated throughout. Paul, Davey and Connor have been absolutely amazing. We honestly couldn’t have asked for a better team to erect our timber frame. No question or favour was ever too much for them. They always took the time to talk us through details of the house and the work they had carried out. They really have done a superb job.”

Mr & Mrs Parratt, Bristol

“We are extremely delighted with the product and workmanship of our Fleming Homes’ timber frame. Furthermore, the timber frame erection team that Fleming Homes allocated to us were exceptional - by choosing this option they helped us realise our build quickly and efficiently - something which in hindsight we could never have achieved as well ourselves.”

Paul & Debbie Renshall, Northumberland

“The first thing I need to do is thank you Scott, and Josh, Bernard, Marisa along with the rest of the team at Fleming Homes for working so hard being helpful and always being so cheerful... even at the worst of times...  2020! I am so glad I get to work with you.”

Gill Renshaw, Lincs

“All told, very satisfied with things... great job everyone from Fleming Homes have done, yourself (Michael), Richard, David nothing seemed to be too much trouble. Even with cantankerous, mind-changing, awkward customers like me! 5 Stars for all concerned.”

Derek Jamieson, Alnwick

“Can I just say what an excellent service we’ve had from Fleming Homes over the years. You’ve been able to help us with several enquiries since we built our house nearly a decade ago and it is very much appreciated.”

Cameron Mabon, Duns