Home renovation insurance

You could find a policy that covers your home while you're doing renovation work with the help of a broker.

or click here to find home insurance if you're renovating

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How to insure your home while renovating

If you are carrying out renovation works on your home, you may need specific insurance to protect it.

Most standard policies will not cover major renovation works, because they increase the chances of something going wrong and you needing to make a claim.

You usually need separate cover for:

    Ask your existing home insurer if they can cover the work before you start. If they cannot, find a policy that can insure your house during renovation works.

    Do you need home renovation insurance?

    You may need a specialist policy if:

    Updated 3 December 2020
    The works mean your home will not be lived in for more than 30 or 60 days
    The works are extensive (some standard policies can cover minor refurbishments)
    There will be expensive equipment and materials 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.

    What does is cover?

      Most policies can cover renovations to listed buildings, as long as you have consent from your local planning authority.

      Home renovation insurance FAQs

      It depends on the level of work, but most policies only cover redecoration and DIY.

      Most renovation policies cover major works like extensions or conversions. It can also protect you if you are refitting your bathroom or kitchen.

      Yes, you can include contents cover, and some policies protect any belongings you have storage will the works are being carried out.

      Yes, but make sure your policy has public liability cover in place. If you employ a contractor they should have their own liability insurance.

      Get home insurance quotes

      Compare quotes to protect your home with the right cover.

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