Home renovation insurance
Keeping covered when you're undertaking a renovation project
When you’ve ‘got the builders in’ the risk of something unexpected happening to your home and its contents increases considerably. That’s why you need to let your insurance provider know when you’re having work done to your house.
Here at HomeProtect we’re happy to insure homes that are undergoing renovation. All you need to do is let us know the value of the contract. If it’s a substantial project you may then need to pay an extra, one-off fee.
If you don’t tell your insurer that your home is undergoing renovation, you may find that your policy is invalid in the event of a claim. This applies whether or not you continue to live in your home while the work is being done.
Home improvements and insurance
Your insurer needs to know about any renovations, extensions or other structural alterations that can affect the rebuild cost of your house. This is to help you ensure that you always have the right level of cover. As well as this you should think of the implications of whether the home is occupied or vacant.
Remember, once the renovation is complete, you should check that the total sum insured covers the value of rebuilding your extended property. You should also make sure that you have sufficient contents cover to replace household items, and have specified high risk or high value additions to your renovated home.
Protecting people during renovations
Make sure that your current policy includes public liability insurance, covering you if someone is injured at the property during building works. At HomeProtect, we include public liability insurance up to £5 million as standard.
Once your project is underway it’s also a good idea to keep your insurer fully informed of any developments concerning your property, especially if it becomes empty. This can be crucial in preventing delays if you need to make a claim.
Not making structural changes but need cover for maintenance and repair work? Find out more about DIY insurance.
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