steel framed house insurance
Specialist Non-Standard Home Insurance

Steel framed house Insurance

Steel frame homes deserve cover built to match their strength.

With their durable structure and modern design, they face different risks than traditional brick or timber builds.
Our specialist insurance ensures your home is properly protected*.

Flat roof insurance

Insuring a Steel Frame Property

Steel frame homes combine cutting-edge engineering with contemporary design.

Resistant to fire, decay and structural rot, they offer lasting durability, but require insurance that recognises their unique construction.

We tailor policies specifically for modern steel frame builds, hybrid designs, and properties with previous remedial work, ensuring cover aligns with your property’s exact needs as part of our wider non-standard home insurance solutions.

Get a Quote

Frequently Asked Questions

Steel frame homes have distinct construction features, including superior durability, fire resistance and unique architectural designs, that standard home insurance may not fully address.

Our specialist policies are tailored to protect these unique structures properly.

Yes. Our policies provide comprehensive cover for both the building itself and your contents, ensuring both your home and personal possessions are fully protected.

Premiums for steel frame homes depend on factors like location, build type, size, and cover level.

While some insurers may charge more for >non-standard construction, we offer competitive pricing tailored to your property’s exact risks.

Regular maintenance is always advisable. Check for any signs of corrosion, ensure waterproofing is effective, and address minor issues early.

Well-maintained steel frames remain highly resilient and help keep your policy in good standing.

Tailored Steel Frame Property Insurance

An intelligent approach to steel frame construction

Every steel frame build is different.

We customise your cover to suit your property, whether newly built, hybrid construction, or previously repaired.

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

If your steel frame home is likely to be unoccupied for extended periods, such as during construction, renovation or between tenants, we can also arrange specialist unoccupied home insurance to protect your property while vacant.

What we provide

Buildings cover up to £1,000,000
Buildings cover up to £1,000,000
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.
Home Emergency Cover up to £250 per call-out
24 hour immediate assistance from a professional electrician, plumber or other specialist following certain emergencies in the home included as standard.

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
  • 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
  • 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

Still have questions? Visit our help centre

What you get with Intelligent Insurance

  • Defaqto 5-Star rated protection
  • 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
Ready to get insured?

Get an online quote now

Get a quote
Need to speak to a real person?

No chatbots, just real people here to help you

Live Chat

*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.

Home insurance knowledge base

Browse our intelligent reading list of articles, guides and tips at your own convenience.

home emergency insurance cover
Home emergency cover

Looking for extra peace of mind? Discover the benefits of home emergency plus.

How to make a claim

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

step-one to making a claim

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 to making a claim

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 to making a claim

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

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

Get Your Steel Framed House Insurance Quote Today

Get a quote