House and Contents Insurance

Self build warranties; insuring your building project and your home and its contents.

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Insurance for Self Build

Warranties -if you are buying a new house, be sure to demand a warranty from NHBC, whose Buildmark warranty protects 85% of new houses in the UK, or something comparable. Likewise, if you are a self builder you will similarly need a warranty, both to achieve funding and should you sell the property on.

Self builders will need to take out Building Site Insurance, covering the part complete building, the site, materials and equipment, employers liability and third third party risks. Building sites are notoriously prone to accident, and the last thing you need is to answer a personal claim while you are struggling to complete your project.


Self Build Warranties:

  • NHBC -leading provider of warranties for new houses
  • NHBC Solo -warranty for self build projects -this may form part of your martgage arrangement.
  • Premier Guarantee -leading warranty and insurance provider for new homes including self build projects.
  • Self-Build Zone -specialise in self-build Structural warranties which do not require additional inspections and include legal expenses and environmental impairment liability at a competitive premium.
  • Zurich -building guarantees, including warranties for self builders.

Building site insurance:

  • DMS Selfbuild -a specialist insurance broker founded in 1965 by Murray Armor who also wrote one of the industry's leading selfbuild titles.
  • Project Builder -public liability, employers liability and contractor's all risks insurance.
  • self-builder.com -self build finance and insurance.
  • Self-Build Zone -offer 18 or 24 month site insurance policies.

Home Insurance

Household insurance in the UK covers two areas -the building itself, and its contents. Typically a policy will cover fire, flood, subsidence, accidental damage, breakage, theft etc -checking the small print to see exactly what you are covered for. The cost of cover depends upon a number of criteria -value of the property, whether you are detached, semi or terraced, location (London is the most expensive). Make sure the amount insured covers the full cost of renovation, including things like architects fees -the time you have to make a claim is not the time you want to be worrying about this.


There are a huge number of banks and insurance companies offering house and contents insurance. We have listed a few of the major providers below, but do suggest you shop around. For information on ethical policies have a look at EIRIS or NatureSave.

  • Barclays Home Insurance -home insurance bookable online with a major high street bank.
  • Churchill -home and contents insurance with discounts to online buyers from one of the UK's leading insurance companies. Shame about the irritating dog.
  • Co-operative Bank -insurance products from the bank with a strong ethical policy. based on customers' views on a range of ethical issues from human rights to the environment.
  • Direct Line -leading UK online insurer offering a wide range of financial products -the website www.directline.com offers an online quote and buy process.
  • Lloyds TSB home insurance -search for home insurance with Lloyds at insurance.co.uk .
  • NatureSave -ethical insurance intermediary offering personal and commercial insurance policies.
  • Norwich Union -UK home insurance quotes available online with a 10% discount from Norwich Union Direct.
  • Swinton -home insurance online.
  • Zurich Home Insurance -buildings and contents insurance from one of the world's largest financial services groups.

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Location Location Location: The Complete Guide to Buying and Selling your Home
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