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Creating your dream home can be one of the most rewarding projects you can undertake, but without the right insurance, things can quickly get off track. You’ve sketched the blueprints, budgeted your money, and it’s time to begin your eagerly anticipated home renovation project. Find out more about the insurance you need during a home renovation and get a free online quote today.
Get A Free QuoteAt InsureMy we want your renovation plans to go as smoothly as possible and that's why we only work with trusted specialist renovation insurers across the UK. Here are just a few InsureMy perks you may struggle to find elsewhere:
Renovation insurance covers everything to do with your home improvement project. Policies can be tailored to suit your needs but generally covers the following:
However, it’s important to remember that cover can vary depending on your provider. To ensure you’re getting the level of coverage you require at the best price, don’t hesitate to contact us now!
The cost of renovation insurance can differ from provider to provider. It’s also dependent on many factors, meaning the price can vary. Some aspects that can affect the price include:
Although buildings insurance protects your home from damage, it has limited coverage. Home renovation insurance is specifically designed to protect your property from any accidents or damage caused by extensive renovation work.
For example, standard insurance won’t cover renovations such as attic conversions or structural remodelling due to their additional risks and extended time to complete. Plus, if this work means you cannot live in your home for some time, standard insurance won’t provide cover for an unoccupied property. For peace of mind, renovation insurance can provide all of this and more.
If you’re hiring a contractor to complete your renovation work, make sure to ask what insurance they have. Most contractors should have their own insurance documents that will protect them, their workers, and any damage to your property caused by the ongoing work. However, this insurance will be in your contractor’s name, not yours and may leave gaps in protection for anything not directly caused by them. To ensure your property and possessions are covered, it’s better to organise your own insurance tailored to your property’s needs.
Renovation insurance is not a legal requirement, and not every project requires it. Your standard insurance plan usually covers makeovers such as a new kitchen or bathroom. However, always make sure to check your policy before carrying out any work. Standard insurance will not cover large-scale, time-consuming renovations. Renovation insurance is the best solution if you’re putting a lot of money and time into a home improvement project. Turning your home into a building site is a big step and can quickly become stressful, so take a load off your mind and protect your home with renovation insurance.
This depends on your insurance policy. Some policies will conclude after all renovations are complete, so you’ll need to return to your normal building and contents insurance. Others will offer long-term protection that you may wish to keep. Ultimately, it’s up to you. Everyone is different and requires different insurance to suit their needs. Always read the policy wording of your building works insurance to guarantee you’re getting the most from your cover. If you have any questions, don’t hesitate to contact us.