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If you are carrying out renovation work on your home, you may need specific insurance to protect the property and its contents.
Most standard policies do not cover major renovation work because it increases the chances of something going wrong and you needing to make a claim.
You usually need separate cover for:
damage to your building and contents
theft of your contents and building materials
Ask your existing home insurer if they can cover the work before you start. If they can’t, you need a separate policy.
Unoccupied property cover: protects your home for longer than the unoccupancy period offered by standard policies, because you may be unable to live in the property while large-scale renovations are carried out
Public liability cover: covers the cost of any legal or compensation claims if someone is injured while at your property – for example, if scaffolding falls and hits someone
Alternative accommodation: pays for living somewhere else if damage caused by the building work means you are unable to live in your property
Building material and equipment cover: covers any materials and equipment kept at the property, including items that have not yet been fitted, such as kitchen units
Most policies cover renovations to listed buildings, as long as you have consent from your local planning authority.
You may need a specialist policy if:
the renovation means your home is not lived in for more than the standard 30 or 60 days
the work is extensive (some standard policies cover minor refurbishment)
expensive equipment and materials are kept at the property
Once the work has been completed, most renovation insurance policies can continue to cover your home, but you could get a better policy by comparing standard home insurance.
It depends on the level of work – most policies only cover redecoration and DIY.
Major work, such as extensions or conversions, is covered. Most renovation policies also cover bathroom or kitchen refits.
Yes, you can include contents cover. Some policies also protect any belongings in storage while the work is carried out.
Yes, but make sure your policy includes public liability cover. If you employ a contractor, they should have their own liability insurance.
Compare quotes to protect your home with the right cover.
By comparing home insurance, you could save money on the policy. The best value Home insurance will offer the cover to your home and content. Choose a cover plan from the best UK home insurance companies and see the online discounts they offer.
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Last updated: 7 May 2022