Little known facts about glass and timber house insurance

Glass and timber homes, particularly those from premium manufacturers like Huf Haus and Baufritz, are stunning examples of architectural innovation. However, insuring such non-standard homes in the UK presents unique challenges and considerations. If you own or plan to build one of these modern masterpieces, understanding the nuances of home insurance is essential.

Why are Huf Haus and Baufritz homes different?

Huf Haus and Baufritz are renowned for their precision-engineered, eco-friendly designs that feature post and beam structure with extensive glass facades or high-quality timber construction using SIP panels. While this creates an aesthetically striking and sustainable home, it also introduces insurance complexities due to:

• High replacement costs: Custom-built panels and specialist timber elements are costly to replace.
• Limited contractors: Repairs often require skilled tradespeople familiar with the unique construction methods of these homes, using Baufritz or Huf Haus contractors as a preference.

Challenges in getting insurance for glass & timber homes

Unlike conventional brick-and-mortar properties, Huf Haus and Baufritz homes may not fit standard insurance models. Here’s why:

• Specialist insurance is often required: Mainstream insurers may be hesitant to cover non-standard homes due to unfamiliarity with their construction methods.

• Higher premiums: Due to the bespoke nature of Huf Haus and Baufritz homes, premiums may be higher than for traditional homes. Factors influencing cost include:
• Location: Homes in high-risk flood or subsidence areas may attract additional coverage requirements. This is true for all properties.
• Materials: The structures of these homes are unique and as already mentioned many insurers are unable to quote due to the lack of understanding.
• Approved contractors in the event of a claim: Most standard insurers would request two quotes for repair and may not agree to the Huf Haus or Baufritz contractors.
• Fire risk and timber construction: While modern timber homes use fire-resistant treatments, insurers may still categorise them as higher-risk than brick homes.

Glazing repairs can be costly

Huf Haus homes feature expansive, high-spec glass panels that are not standard sizes. A single damaged pane could cost thousands to replace, and insurance policies need to account for these potential expenses.

We have a unique agreement with one of our insurers which give Huf Haus owners 0% excess on glass claims.

What to look for in an insurance policy

If you’re insuring a glass and timber home, consider the following:

• Specialist cover: Ensure the policy explicitly covers high-value glazing and timber components and the insurers are aware of the unique construction of your home. Speak to your broker for advice www.macbethinsurancebrokers.co.uk
• Extended accidental damage: Glass-heavy homes are more susceptible to breakage, so accidental damage cover is a must.
• Fire and flood protection: Confirm that the policy provides robust coverage for fire and flood risks.
• Rebuild costs: The sum insured should reflect the true cost of rebuilding with specialist materials. It is also wise to take into account exchange rates as these homes are usually brought from Germany, therefore purchased in Euros.
• Approved contractors: As a homeowner you may require using pre-approved repair firms with expertise in Huf Haus and Baufritz constructions.

Conclusion

Insuring a glass and timber home like a Huf Haus or Baufritz in the UK requires a specialist approach. While premiums may be higher, the right policy ensures that your investment is fully protected. Working with insurers who understand these architectural masterpieces will give you peace of mind and comprehensive coverage for your unique home.

Need help finding the best insurance for your Huf Haus or Baufritz home? Speak to Carl or Mandy today to explore your options!