Home Renovation Insurance FAQs

All your questions about home renovation insurance, answered online
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Home Renovations Insurance FAQs

How can I calculate the rebuild cost of my renovated property?

Will I receive a discount for using eco materials?

How do I get a new home insurance quote?

Can I insure a derelict mill, watermill or barn that I plan to have renovated into a home?

If I am doing the renovation work myself, will I be able to get home insurance?

What is the difference between a cosmetic change vs a renovation project?

My unusual, or heritage or listed building home is going to be renovated, can you insure me?

I’m planning on digging a new basement beneath the property, can you insure the property?

The renovation project has already started, can you insure my property?

My contractor has a Joint Liability contract, can you insure my property?

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.


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 do I get a new home insurance quote?

Get a quick and easy quote online, start here.

Or you can phone our friendly team on 0330 660 1000. We’re here taking calls 9am to 8pm on weekdays and 9am to 1pm on Saturdays.


Can I insure a derelict mill, watermill or barn that I plan to have renovated into a home?

No, HomeProtect only insure properties that are classed residential before the renovation. Once the work is complete, HomeProtect may be able to provide a home insurance quote for your new home.


If I am doing the renovation work myself, will I be able to get home insurance?

We can still provide home insurance for you whilst you are renovating the property, this insurance will cover the existing structure from the extra risks of fire, escape of water and theft. However, we will need to see a copy of your self-build insurance policy, which should include at least £1 million public liability cover.


What is the difference between a cosmetic change vs a renovation project?

For the purposes of the HomeProtect renovations insurance policy, cosmetic changes include non-structural changes to the property such as redecorating, replacing kitchen units, or laying new flooring. If you plan to change the internal plumbing, gas pipes or electrical fixtures then this is NOT classed as cosmetic.

A renovation project is defined as any building works costing more than £20,000; or electrical or plumbing alterations costing more than £10,000.


My unusual, or heritage or listed building home is going to be renovated, can you insure me?

Yes, absolutely. You may want to check that your contractor is familiar with, and has references from previous renovation projects involving specialist or traditional materials. In the case of a listed building, don’t forget to also obtain planning consent from your local planning officer before any work starts.


I’m planning on digging a new basement beneath the property, can you insure the property?

Sorry, but no, that’s one of the only renovation situations we are unable to insure at present.


The renovation project has already started, can you insure my property?

Yes, no problem.


My contractor has a Joint Liability contract, can you insure my property?

No, unfortunately the HomeProtect policy will not cover renovation projects where the contractor has either a Joint liability contract or a liability waiver clause.