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Motor Trade: 01271 349790
Motor Trade: info@crowthornemt.co.uk
01344 771626
info@crowthorne.co.uk
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Specialist Cover for Timber Construction Homes and Let Properties

Timber-framed homes are beautiful, efficient, and increasingly popular—but they can also be more complex to insure. Whether you live in your timber home, let it to tenants, or own it as an investment property, our Timber-Framed House Insurance gives you tailored protection designed for your construction type.

At Crowthorne Insurance Services, we understand that non-standard construction homes like timber, oak frame, or post-and-beam builds require specialist attention. We work with leading UK insurers who cover timber homes—without inflated premiums or unnecessary exclusions.

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What is Timber-Framed House Insurance?

Timber-framed home insurance is designed to protect properties built partly or entirely with wooden frames or panels. Because these materials can be more vulnerable to fire, moisture damage, or structural movement, standard home insurance policies may exclude them or charge higher premiums.

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Our policies provide full buildings and contents cover, just like standard house insurance, but tailored for your property’s specific build and risk profile.

We provide cover for:

  • Modern timber-frame homes
  • Historic oak-frame houses
  • Barn conversions
  • Eco-homes or SIPs (Structural Insulated Panels)
  • Log cabins and wooden chalets
  • Timber-frame buy-to-let or holiday homes
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Why Timber-Framed Homes Need Specialist Insurance

Most mainstream insurers classify timber-frame construction as non-standard. That’s because timber can:

Burn more readily than brick or concrete

Be more susceptible to damp or rot if not properly maintained

Require specialist repair or restoration methods

Affect mortgage and rebuild cost valuations

At Crowthorne, we partner with specialist underwriters who understand these nuances, ensuring your property is fully covered and correctly valued.

What Does Timber-Framed House Insurance Cover?

Our flexible policies can include the following options, whether you’re an owner-occupier or landlord:

Buildings Insurance

Covers the structure of your property, including the timber frame, roof, walls, floors, and any permanent fixtures such as kitchens and bathrooms.

Includes protection against:

  • Fire and smoke damage
  • Flood, storm, and escape of water
  • Subsidence or ground movement
  • Theft, vandalism, and malicious damage
  • Impact damage (e.g. falling trees)
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Contents Insurance

Covers your furniture, electronics, and personal belongings inside the home.
For landlords, this can include fixtures, fittings, and white goods provided to tenants.

Accidental Damage Cover

Optional protection for unexpected mishaps such as broken windows, damaged floors, or DIY accidents.

Legal Expenses Cover

Covers legal costs arising from disputes such as boundary issues, faulty workmanship, or tenant disagreements.

Property Owners’ Liability

For landlords and property owners—protects you if a tenant, visitor, or contractor is injured on your premises.

Loss of Rent or Alternative Accommodation

If your timber-framed property becomes uninhabitable after an insured event, we’ll help cover temporary housing costs or lost rental income.

Who Needs Timber-Framed Home Insurance?

This specialist cover is ideal for:

  • Homeowners living in timber or part-timber properties
  • Landlords letting out timber-framed houses or flats
  • Developers or investors managing timber-frame portfolios
  • Owners of barn conversions or eco-builds
  • Properties with exposed beams or heritage oak frames

Whether it’s a modern new-build or a historic property, we’ll find a policy that fits.

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Timber-Frame Insurance for Landlords & Property Owners

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If you rent out your timber-framed property—either long-term or short-term—you’ll need Property Owners Insurance that includes specialist timber-frame cover.
This can include:

  • Buildings and landlord contents insurance
  • Loss of rent and liability protection
  • Extended unoccupancy periods
  • Optional home emergency cover

We also insure timber-frame HMOs, holiday lets, and second homes, ensuring your investments remain protected at all times.

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What Our Customers Say

"Other insurers said no—Crowthorne said yes."
I struggled to get cover for my listed cottage with a thatched roof. Other companies either refused or quoted astronomical prices. Crowthorne understood the risks and worked with me to get fair, realistic cover. The service was personal and straight to the point—exactly what I needed.

Why Choose Crowthorne for Timber-Framed House Insurance?

  • Specialist cover for non-standard construction homes
  • Access to niche underwriters experienced in timber builds
  • Competitive premiums—no inflated costs just because of timber 
  • Tailored policies for owner-occupiers, landlords, or investors
  • Expert support through claims and renewals

We make insuring a timber-framed home simple, clear, and fully compliant with mortgage and rebuild requirements.

In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

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Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

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Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.
Testimonials

What Our Clients Say

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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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We are proud to be a member of the British Insurance Brokers’ Association (BIBA), the UK’s leading trade association for insurance brokers. BIBA membership signifies our commitment to industry best practices, professional standards, and staying informed on the latest developments in the insurance sector.