SEARCH
SEARCH

Self-Build Insurance From The Ground Up

What Is Self-Build Site Insurance?

Self-Build Site Insurance is a specialist policy designed to protect your building project from the moment you purchase the plot, right through construction, and until the home is complete and ready to move into.

Whether you’re managing the build yourself or hiring contractors, this insurance gives you peace of mind by covering the risks that standard home or builder policies often don’t.

Why Your Project Needs Specialist Protection

Building or renovating a home is a major financial commitment, and things don’t always go to plan. Theft of materials, damage from storms, or liability claims can all result in unexpected costs.

A specialist policy fills the gaps left by home insurance and builder policies, giving you the comprehensive cover you need.

principal designers
Aerial view of green field for a home, ideal for Self Build Site Insurance, near houses and distant mountains.

Covered From Plot Purchase To Completion

Self-Build Site Insurance from Self-Build Zone covers your project from day one. You’re protected when you buy the plot, throughout the construction phase, and to completion.

This includes cover for the works in progress, materials and tools on-site, plus liability for accidents or property damage caused during the build.

Types Of Self-Build Site Insurance

Self-build projects vary in scope, from building a brand-new home to transforming an existing structure.

At Self-Build Zone, we offer tailored insurance policies for every type of project, so you get the right level of protection, no matter your starting point.

Conversion Insurance

Is ideal if you’re modernising a disused barn or turning a commercial space into a home Protects both the existing structure and new works during property conversions, covering risks like damage, fire, theft, and liability.

Find out more

Extension Insurance

Covers building work not included in standard home insurance—ideal for single or double storey extensions, lofts, and garage builds.

Find out more

New Build Insurance

Planning to build your dream home from the ground up?  New Build Site Insurance is a comprehensive cover for self-managed or contractor-led new home builds, from foundation to completion.

Find out more

Renovation Insurance

Whether you’re opening up rooms, updating utilities, or gutting the interior, Renovation Insurance protects your progress every step of the way. Our cover  protects the existing structures and new work during renovations, including materials and utilities upgrades.

Find out more

Developer Insurance

Covers small to medium residential developments up to £1.5M. It’s ideal for those building to sell or rent, ensuring each project is protected from financial loss due to damage, delays, or liability issues.

Find out more
get a quote

What Does Self-Build Site Insurance Cover?

Self-Build Site Insurance provides crucial protection throughout your building journey, from the day you purchase the plot to the moment you move in.

A gloved hand smooths wet concrete with a trowel—essential on any site with Self Build Site Insurance.

Physical Damage To Your Works, Tools, And Materials

Your site is vulnerable to a range of risks. This policy covers physical loss or damage to the building works in progress, as well as tools, equipment, and materials stored on-site. Whether it’s storm damage, fire, theft, or accidental damage, you’re protected against unexpected setbacks that could derail your build.

self-build insurance

Public Liability Cover For Your Site

Accidents can happen, even before you’ve broken ground. Our Self-Build Site Insurance includes Public Liability cover, which protects you if a third party suffers injury or property damage on your site. It’s essential cover for anyone managing contractors or allowing visitors onto the premises during construction.

What Isn’t Covered

While the policy is comprehensive, it won’t cover every possible event. Exclusions typically include:

  • Wear and tear or poor workmanship
  • Existing structural issues which were not disclosed beforehand
  • Damage caused by negligence or unapproved alterations
  • Deliberate acts of vandalism by the policyholder

We’ll guide you through any specific exclusions at the quote stage to ensure full transparency.

Call the Self Build Zone team
0345 230 9874
Get an instant quote online
Get a quote

Who Needs Self-Build Site Insurance?

Whether building your dream home or managing multiple plots, Self-Build Site Insurance is essential to protect your investment from unexpected risks.

Owner-Builder and Individuals

If you’re managing your self-build, you’re responsible for the site and anyone working on it. Even if you’re hiring tradespeople or getting help from friends and family, accidents or damage could cost you dearly. Insurance gives you the peace of mind that your project is protected, from foundations to finishing touches.

Three people wearing helmets work together on scaffolding at a self build site insurance project under a clear blue sky.
Yellow construction helmet on a desk, with two people shaking hands—perfect for discussing Self Build Site Insurance.

Those Contracting Out The Works

Not taking on the build yourself? Even when using a main contractor or builder, their insurance may only cover their liability, not your site, materials, or structure. You’ll still need your Site Insurance policy to ensure every aspect of your project is covered, especially if something goes wrong with subcontracted work or deliveries.

Developers And Small-Scale Builders

If you’re developing a small number of new-build properties for resale or investment, our Site Insurance policies can cover your work and liabilities up to a professional reinstatement cost of £1.5 million. It’s a smart safeguard for developers working on tight budgets and deadlines, offering financial protection for the unexpected.

Two construction workers in safety vests review blueprints on a self build site insured worksite with equipment in the background.
Call the Self Build Zone Team
0345 230 9874
Get an instant quote online
Get a quote

Additional Protection – Structural Warranty

Site Insurance protects you during construction, but a Structural Warranty ensures your home remains covered long after building work is complete. It’s an essential part of safeguarding your investment for the future.

What Is A Structural
Warranty?

A Structural Warranty is a long-term insurance policy that covers defects in the design, workmanship, or materials of your new home or building once it’s finished. It typically lasts for 10 years and is often required by mortgage lenders and future buyers. This cover starts from completion and helps protect against costly structural repairs.

Why Arrange Your Structural Warranty Early

Your Structural Warranty must be in place before construction begins. This is because approved inspectors need to complete technical audits during key stages of the build, including groundwork, structure, and roofing. If you wait until after the build has started, you could face expensive retrospective survey costs or be refused cover altogether.

How Self-Build Zone Supports Warranty Inspections

Self-Build Zone works closely with approved inspectors to carry out the necessary site inspections at each stage of the project. By arranging your Structural Warranty through us, you gain access to a dedicated team who will guide you through the inspection process and help keep your build on track and compliant with insurer standards.

get a quote

Key Benefits Of Choosing Self-Build Zone

Choosing the right insurer is just as important as choosing the right builder. At Self-Build Zone, we offer specialist support, flexible options, and policies designed specifically for self-builders.

Flexible Cover Tailored To Your Project

Whether you’re building a new home from the ground up, renovating a listed property, or managing a small development, our Site Insurance policies are designed to fit your exact needs. You can choose the level of cover required for your works, existing structure, liabilities, and site risks.

Backed By A-Rated Insurers

Self-Build Zone policies are underwritten by leading A-rated insurers, giving you peace of mind that your investment is protected by financially strong and reputable providers. We’ve worked with thousands of self-builders across the UK, and our insurance products meet the expectations of lenders, brokers, and industry professionals.

The Cover Starts From Plot Purchase

From the moment you buy your plot of land, you can be covered. Our insurance extends beyond just the build itself, we’ll protect your materials, tools, and the entire construction site right from the start through to completion and habitation.

Guide to Understanding Home Renovation Site Insurance
Read More
A Solid Foundation: Why Site Insurance is Essential for Your Self-Build House Project
Read More
The importance of site insurance for home extensions
Read More
The Ultimate Guide to Understanding Home Renovation Site Insurance
Read More

Self-Build Insurance made easy

Useful Links

©2025 Sennocke International Insurance Services LimitedManage Cookie Preferences

Self-Build Zone is a trading style of Sennocke International Insurance Services Limited. Sennocke International Insurance Services Limited is authorised and regulated by the Financial Conduct Authority, No. 309040, and registered in England and Wales, No. 02489110. Registered office: 6 Pembroke Road, Sevenoaks, Kent, England, TN13 1XR.

Instagram
LinkedIn
YouTube