Are you one of the lucky few homeowners in Ireland who owns a modular home? Or maybe you’re part of the growing trend of timber framed homes? Or maybe you have a property that has a garden room attached or a granny flat. Whatever the case may be, modular homes are becoming increasingly popular for their versatility, sustainability and style. When it comes to insuring your investment, modular homes insurance is one of the first things that come to mind. But how do you know which house insurance cover is right for your modular home? Well, we’ve got you covered.

Welcome To Our Modular Home Insurance Guide.

Modular homes are a growing trend due to their cost-effectiveness, sustainability and modern design, but their uniqueness often brings up questions about your insurance coverage. Do modular homes qualify as standard construction? Or do you need to consider a timber frame home or a property with a flat or non-standard material roof?

Yes, modular homes, timber framed homes and properties with non-standard roofing materials are all classified as non-standard construction. But what does this mean for you? The good news is these properties don’t need specialised insurance. Instead, you’ll need to refer them to an insurer who will assess your risk and make a decision on coverage.

Navigating Non-Standard Construction Insurance

When it comes to non-standard construction insurance, there is no ‘one size fits all’ approach. Each insurer will have policies and endorsements specific to these types of properties. For instance, some insurers (e.g. Frost Underwriting) will exclude coverage for water damage caused by damage to felt or timber roofs, while others may require that felt roofs have been replaced within the past 12 years in order to be accepted.

Special Considerations for Pods and Garden Rooms

Special considerations for pods and garden rooms If you’ve added a pod to your property, a granny flat, a garden room or a log cabin, it’s important to make sure you inform your insurer of these unique property features before you seek a quote. Most home insurance brokers will ask for additional information about modular pods or similar structures, and may refer your case to selected underwriters who specialize in this type of property.

Finding the Right Coverage

Now that you know the ins and outs of modular homes, timber framed, and non standard roof insurance, it’s time to get the right coverage for your home. Here are the key steps you need to take:

1. Assess Your Needs

Take a look at the unique features and risks your property has. This will help you decide on the coverage you need.

2. Shop Around

Shop around for the best price on modular home insurance. Ask for quotes from various insurance providers. Coverage can vary greatly, so it’s important to compare options to find the best one for you.

3. Ask Questions

Ask insurers what their policies are, what endorsements they offer, and what specific requirements your property type has.

4. Consult an Expert

Ask an insurance specialist or broker for advice.

Building a modular home isn’t just about insurance. It’s also about sustainability and comfort. Making sure your home has adequate air ventilation is a good first step. Not only will it reduce your energy costs, but it will also make your home more environmentally friendly. Proper ventilation not only enhances indoor air quality but also promotes a healthier living environment for you and your family.