Isometric illustration of a UK post war prefabricated house
Specialist Non-Standard Home Insurance

Prefabricated home insurance

Prefabricated homes need cover that understands how they were built.

From post-war prefab houses to modern modular homes, these properties can differ from standard brick-built homes in their construction, materials and rebuild requirements.

Our specialist home insurance can help protect prefabricated, modular and other non-standard construction properties, including homes that may be difficult to insure through standard providers*.

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Frequently Asked Questions
A perspective illustration of a prefabricated house

Insuring a Prefabricated Property

At Intelligent Insurance, we help homeowners find cover for properties that may not fit standard insurance criteria.

Whether your home is a post-war prefab, a modern modular property or a non-standard construction house, we may be able to help you arrange suitable buildings and contents insurance.

  • Cover for many types of prefab and non-standard homes
  • Suitable for steel framed, concrete panel, PRC and modular construction
  • Buildings and contents cover available
  • Specialist support if standard insurers have declined cover
  • Fast online quote available

What types of prefab homes can be covered?

Prefabricated homes are not all built in the same way. Some are post-war properties, while others are modern modular homes, self-build kit homes or houses with mixed construction.

We may be able to help with many types of prefab and non-standard homes, including:

  • Post-war prefabricated houses
  • Steel framed prefab homes
  • BISF houses
  • PRC homes
  • Concrete panel homes
  • Timber framed modular homes
  • Modern modular homes
  • Modern kit homes
  • Self-build prefab homes
  • Listed prefab or non-standard homes
  • Homes with mixed construction

What information do insurers need for a prefab home?

When arranging cover for a prefabricated home, insurers may ask for more detail than they would for a standard property.

This helps them understand the construction type, rebuild requirements and any known risks.

  • The construction type, if known
  • Whether the home has a steel, timber or concrete frame
  • Wall and roof materials
  • Age of the property
  • Rebuild cost
  • Survey details, if available
  • Whether any structural repairs have been carried out
  • Whether a PRC certificate exists, where relevant
  • Claims history
  • Whether the property is lived in, let or unoccupied
Get a Quote for your Prefab Property

Leaving your property unoccupied? Check out our cover levels

If your prefabricated home is likely to be unoccupied for an extended period, such as during renovation, sale, probate or between tenants, we can also arrange specialist unoccupied home insurance to help protect your property while vacant.

Cover Level One

  • Fire, Lightning, Explosion, Earthquake

Cover Level Two

  • Fire, Lightning, Explosion, Earthquake
  • Riot, Disturbances and Strikes
  • Impact
  • Storm & Flood
  • Subsidence, Ground Heave or Landslip
  • Escape of Water or Oil

Cover Level Three

  • Fire, Lightning, Explosion, Earthquake
  • Riot, Disturbances and Strikes
  • Impact
  • Storm & Flood
  • Subsidence, Ground Heave or Landslip
  • Escape of Water or Oil
  • Malicious Damage
  • Theft or Attempted Theft

Frequently Asked Questions

It can be more expensive than standard home insurance, but not always. The cost depends on the construction type, condition, location, rebuild value, claims history and how the property is used.

Yes, prefab houses can often be insured, but you may need a specialist provider if the property is classed as non-standard construction.

Often, yes. Many prefab homes use construction methods or materials that differ from traditional brick, stone, slate and tile homes.

No. Some prefab homes are steel framed, but others may use concrete panels, timber frames, modular sections or mixed construction.

We may be able to help with a range of prefabricated and non-standard homes, including post-war prefab houses, steel framed prefab homes, BISF houses, PRC homes, concrete panel homes, timber framed modular homes and modern modular homes.

Not always, but a survey can help if the construction type is unclear or if the property has known structural issues.

PRC stands for prefabricated reinforced concrete. Some PRC homes have known repair or mortgage considerations, so insurers may ask for more detail.

As long as there’s a permanent foundation, it may be possible to insure a self-build, kit-form or modern modular prefab home, depending on the construction type, build stage, property use and supporting information available.

Insurers may ask for details such as the materials used, completion date, structural warranty, survey information or rebuild cost.

Yes, depending on the property and underwriting criteria, buildings, contents or combined cover may be available.

Tailored Prefabricated Property Insurance

An intelligent approach to prefab and modular construction

Every prefabricated home is different.

We customise your cover around your property’s construction, condition and use, rather than treating every prefab home in the same way.

No assumptions, no shortcuts, just specialist cover built around your home.

What we provide

Buildings cover up to £1,000,000, with the option to increase for specific cases
The amount your insurer will pay to repair or rebuild your home in the event of an insured loss
Contents Insurance up to £100,000
New for old cover for belongings kept in your home
Alternative accommodation
Temporary accommodation in the event your home is uninhabitable
Replacement locks and keys
For lost or stolen keys
Trace and access cover up to £5,000
Replacement and repair to any parts of the building that are removed when tracing escape of water
Family Legal Protection up to £25,000
Cover for legal expenses (whether prosecuting or defending). There is a £100 excess.

What isn't included?

We don’t cover loss or damage
  • Caused by wear, tear or gradual deterioration
  • That occurred before the policy started
  • Caused by vermin, insects, pets
  • Caused by dishonest, wilful or deliberate acts
  • Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
Cover restrictions
  • you are only covered up to the maximum claims limits shown on your schedule
  • you are responsible for any excesses stated in your policy
  • any exclusions or restrictions shown by endorsement in your schedule

Looking for extra protection? Upgrade your cover

  • Family Legal Protection Plus

    Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.

    Optional – Family Legal Protection Plus →
  • Home Emergency Plus

    Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation

    Optional – Home Emergency Plus →
  • Accidental Damage

    Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass

    Optional – Accidental Damage →

Still have questions? Visit our help centre

Help centre

What you get when insuring with us

  • Defaqto 5-Star rated protection for buildings & contents
  • Underwritten by trusted, household-name insurers
  • Competitive premiums with flexible payment options
  • UK-based team praised for excellent customer service
  • Fast online quote - no lengthy phone calls required
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*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.

Non-Standard insurance knowledge base

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Policy Documents

If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.

Add-Ons

Home Emergency Plus
Family Legal Protection Plus

How to make a claim for your prefabricated home

Making a claim for prefab homes has never been easier – just follow these three simple steps.

step-one

Step One – Check Your Policy

Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.

step-two

Step Two – Report the Incident

Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.

step-three

Step Three – Submit Your Claim

If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.

Home Insurance Specialists names you can trust

Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Pen Underwriting Panel Member
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Intelligent Insurance | Arkel Panel Member
Intelligent Insurance | Prestige Underwriting Services Panel Member

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