Renovation Buildings Insurance
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Tailored Renovation Insurance For Your Peace Of Mind
If you’re planning a major home renovation, it’s crucial to have the right protection in place. We provide specialist building renovation insurance for homeowners undertaking projects of all sizes, from kitchen extensions to full structural rebuilds. As experienced renovation insurance brokers, we work with trusted insurers to find the right policy for your project, offering expert advice and tailored cover.
Before any work begins, it’s important to check what your current policy covers and whether you need extra cover for home improvements, such as extensions or loft conversions.
Many standard home insurance policies don’t cover renovation work, leaving you exposed to risks such as fire, flood, theft of building materials or damage caused by contractors.
Most contractors have their own liability insurance or public liability insurance, but this may not fully protect the property owner against all risks, so it’s important to ensure you are fully protected with the right cover.
Brokers for Repairs and Extensions
Renovations increase the rebuild cost and overall costs, which can affect your home insurance quote and premiums, so it’s worth reviewing your insurance policy and policy wording to ensure your buildings insurance and extension insurance provide cover for all renovation works taking place.
For example, a loft conversion or major structural work may not be covered by a standard home insurance policy, so specialist home renovation insurance or contract works insurance may be required to avoid hefty bills or claims being denied.
What Is Renovation Insurance?
Renovation insurance is a specialist policy that protects your home during refurbishment, conversion, or extension works. It typically covers:
- Damage to the existing structure
- New works under construction (contract works are covered under contract works insurance)
- Theft of materials and tools
- Fire, flood or storm damage
- Public liability
- Employer’s liability
- Non-negligent liability
Insurance covers a range of risks, but most home insurance policies may not provide cover for renovation works, so a specialist insurance policy is often required. Public liability insurance, legal cover, and protection against accidental damage are important features to look for in the policy wording. The rebuild cost should be reviewed and updated to ensure adequate coverage during renovation works.
Whether your property is occupied or temporarily unoccupied during the build, our policies are designed to ensure you remain covered throughout.
Why Do You Need Specialist Cover When Renovating?
Renovation projects carry a much higher risk than normal home occupancy. If you rely on standard house insurance during renovation, your claim could be denied due to exclusions relating to structural works or unoccupied periods.
Our renovation insurance offers peace of mind for:
- Theft or vandalism on-site
- Fire caused by electrical work or hot roofing
- Flooding from burst pipes during plumbing work
- Collapse or structural damage during excavation or extensions
- Legal liability for injury to the public or workers
Most contractors have their own insurance, but you may still need extra cover to ensure you are fully protected with the right cover for your renovation project. Whether you’re hiring a contractor or managing the project yourself, specialist insurance helps ensure your finances aren’t left exposed.
What Does Our Renovation Insurance Cover?
We offer a range of cover options to provide cover for all aspects of your renovation works. Our flexible cover is tailored to your project, including:
- Buildings and contents insurance
- Accidental damage
- Public liability cover
- Legal cover included in our insurance covers for disputes with tradespeople or contractors
- Alternative accommodation
These insurance covers are designed to protect you against the risks associated with renovation projects, ensuring you have the right protection in place.
Our team can advise on the right level of home insurance for building work, whether you’re completing internal refurbishments, building an extension, or carrying out major structural work.
Who Needs Renovation Insurance?
Our renovators insurance is suitable for:
- Homeowners completing property upgrades
- Landlords refurbishing rental properties
- Buyers renovating before moving in
- Investors flipping unoccupied properties
- Self-builders managing their own projects
- Property owners undertaking property renovations or home renovations
From minor renovations to full property transformations, we tailor policies to protect your specific build.
Benefits of Our Renovation Insurance:
- Tailored cover for your building works
- Protects against loss or damage to materials
- Covers liabilities to the public and tradespeople
- Suitable for both occupied and unoccupied homes
- Flexible policy durations and extensions
- Specialist broker support throughout
- Ensures your home is fully protected and your biggest asset remains home secure throughout the renovation process
We simplify the process of getting house insurance during renovation, making sure your project is protected from day one.
How It Works
- Speak to our expert team: Tell us about your project, timelines, and the level of cover you need.
- We source tailored quotes: We compare options from leading UK insurers to find the right fit and help you obtain a home insurance quote that reflects the true costs of your renovation
- Get covered quickly: Policies can be arranged quickly to meet your construction schedule. You can choose how to pay for your policy, with flexible options to manage costs.
- Ongoing support: Need to extend your policy or make a claim? We go the extra mile to ensure a stress free process.
Speak to a Renovation Insurance Specialist
Planning building work, an extension, or a major home improvement? Don’t rely on a standard home policy. Speak to Haden Welbeck; your trusted renovation insurance brokers.
We’ll help you find the right building renovation insurance to protect your home and give you peace of mind throughout your project.
Call us today or request a quote to get started.
Frequently Asked Questions
Will my current home insurance cover my renovation project?
Usually not. Most standard policies exclude major renovation work, especially if your home will be unoccupied or the structure is altered. For example, if renovations increase the rebuild cost of your property, your standard policy may not cover the new value, potentially leaving you with hefty bills if something goes wrong.
What if my builder has their own insurance?
Your builder’s insurance may only cover their liability, not your property. Our policy ensures full protection for your home and materials.
Can I get insurance for an unoccupied renovation home?
Yes. We specialise in unoccupied renovation home insurance, offering cover even if the property is empty during the build.
What if the renovation takes longer than planned?
We offer flexible policy durations and can extend cover if your schedule changes. If building works are taking place, make sure your policy covers all potential claims that could arise during the project.
Do I need insurance for small renovations?
Even small projects can expose you to risk. It’s always wise to speak to a broker to understand what protection you need.
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