Renovation

Insurance is invaluable when you are undertaking a home renovation project.
But does your existing policy cover you for building works?
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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 work

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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

Start your online quote and see how much you could savee

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0330 660 1000 9am - 8pm Monday-Friday
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Satisfied customers

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

Will I receive a discount for using eco materials?
It is unfortunate that no matter how green you go, you will still need home renovation insurance while work is being undertaken, and this does not typically mean you will receive a discounted premium. Though most insurers are reluctant or unable to offer home renovation insurance, HomeProtect is different. With us you can get a competitive quote for renovation insurance online.
How can I calculate the rebuild cost of my renovated property?
Consulting a chartered surveyor is the surest way to receive an accurate rebuild cost. In fact, if your home is using non-standard construction materials or you are renovating a listed building then you will need to do this. That said, for standard construction houses, you can use the free online BCIS Rebuild calculator 
How do I calculate the value of contents I need to insure?
There is no other way than going around each room in your property and working out the value of each item, including curtains, furniture, white goods, etc. Add up these values to find the total cost to replace each item as new and share this information with your insurer.
Where can I retrieve my quote and policy documents?
You can start a quote and retrieve it from your account when you use the HomeProtect website

Similarly, you can login to view your policy schedule online

View more questions