Self-Builder Policy

If the property is habitable and you take up residence, despite further work being undertaken, cover will no longer be afforded under your Self-Builder policy. In any case, build insurance self is an important aspect of a self build policy and project. You should do some research to get a competitive quote after talking to a number of insurers to get a rough idea.

Self build land is difficult to find and quite expensive. You can search the local papers and estate agents but a self build land finding database is the best option.

When you are designing your walls do remember that block layers charge you a lot more for a projects that has a lot of different levels and angels as this makes their job a lot harder and takes more time, so if you can keep it strait and simple.

You will need to insure the project for its Professional Reinstatement Cost (i.e.: the cost to rebuild the property at completion with allowance for site clearance and professional fees). Basically if a serious loss occurs 2 weeks prior to completion, you will probably not have the time or inclination to self-build it again.

Discounting the effects of inflation, self-builds tend to save around 30 percent of the value of their finished house by building it themselves, a saving brought about by taking away the profit developers make on most new houses, along with the VAT savings made on materials.
'Self-build' can vary from people physically building much of a dwelling themselves to cases where they hand over responsibility for the