When Do You Need Self-Build Insurance? A Guide for Homebuilders

If you’re planning to build your own home, insurance might not be top of mind—but it should be. Self-build insurance isn’t just for the construction phase. There are key stages throughout your project where cover is essential, and sometimes legally required.

1. Arranging Finance – Mortgage lenders often require a Structural Warranty. Securing it early can save money and streamline approvals.
2. Finding a Plot – If you’ve bought materials or equipment, you can protect them with insurance against theft, loss or damage.
3. Owning Land – You’re potentially liable for injuries to anyone on your land—even trespassers. Public Liability Insurance can help protect you.
4. Planning Permission – Once you’ve started the planning process, Site Liability Insurance can protect your plot before work begins.
5. During the Build – Builders, tools, machinery, and the structure itself could all need protection. Specialist Self-Build Insurance covers these risks.
6. Finishing the Build – As you install appliances and furnishings, ensure your policy covers the increasing value of your property and contents.
7. Moving In – Once you receive your Completion Certificate, remember to switch to Buildings and Contents Insurance.
8. After Completion – A 10-Year Structural Warranty protects against defects in design, materials, or workmanship—giving you long-term peace of mind.

From plot purchase to move-in day, having the right insurance at each stage of your self-build journey can be crucial. Explore our full range of self-build insurance products on our website.

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