Insurance for properties under renovation
Home renovations are exciting but they can also be very costly. And even more so if you run into trouble and discover that your standard home insurance does not cover your claim! The level of cover that you need will inevitably depend on the amount of work and the type of refurbishment being undertaken.
Consider the following:
- Structure - What is changing and in what way?
- Time - When is work due to start and finish?
- Contractor - Are you or your family carrying out the work, or are you employing a professional?
- Contractor - Does the Builder have a Contractors All Risk policy?
- Contractor - Have you or are you considering signing a Joint Contracts Tribunal (JCT) contract?
- Cost - How much you are planning to spend (including VAT)?
Planning home improvements? Get a quote before you start workGet a quote!
Get the right level of cover
Structural changes, such as walls being demolished or extensions being built, will certainly need to be disclosed to your insurer. As well as this you should think of the implications of whether the home is occupied or vacant, and double check that public liability insurance is in place in case anyone is injured while work is being carried out.
Your insurance will need to include the value of rebuilding your property (not forgetting the amount required to cover the newly renovated addition to your home once completed) as well as the value of contents. Take care to check whether your cover is restricted to FLEEA only (Fire, Lightning, Earthquake, Explosion and Aircraft).
HomeProtect’s Contract Works Questionnaire makes answering questions like these easy, so getting home renovations insurance is a simple process. Our policy also includes public liability insurance up to £5 million and is available for most renovations.
It was a totally hassle free experience and over £200 cheaper than my previous insurer's new quote for exactly the same cover. Saturday, 01 August 2015
Get home renovation insurance before work starts
- Public liability insurance up to £5 million
- Cover available for most circumstances
- UK helpdesk if you have questions
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Our friendly team can answer your questions
0330 660 1000
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9am - 1pm Saturday
Staff were really helpful and amendments to our policy were dealt with immediately. This company was one of the only ones who would insure our property under renovation 01 August 2015
My requirements were not quite "off the shelf", so was extremely happy with the way the team created the right policy for me 05 January 2015
I am feeling confident that I have the correct home policy for the first time in years - thank you! 26 January 2014
Top frequently asked questions
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