How To Insure A Home Under Renovation

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Do I Need Home Insurance For Home Renovations?

At Higos, we understand renovating your property is an exciting time. Nonetheless the associated risks of the unexpected happening to your home and contents can increase substantially during any renovation works. Additionally if you’re having structural, internal or major renovations to your property, you may not necessarily be covered by a standard home insurance policy. That’s why, we recommend our bespoke Home Works Insurance policy so you can have full peace of mind that you’re fully protected.

What Is Home Renovation Insurance?

Home Renovations Insurance helps to protect your property against the added risks that comes with any structural, internal and major renovations that are carried out at your home.

What Are The Different Types Of Home Renovations And Extensions?

• Loft conversions
• Single storey
• Multi- storey
• Whole property renovation
• Conservatories
• Basement conversion
• Garage conversion
• Landscaping
• Kitchen and bathroom remodelling

What Does Home Renovation Insurance Cover?

Our Home Works Insurance can help provide a variety of cover including:

• Theft (including personal possessions and building materials, tools and equipment kept at the property)
• Contract works
• Property owners liability
• Employers liability
• Personal accident
• Accidental damage to buildings and contents (Including damage to the new building, existing structure and to neighbouring properties)

What Are The Main Risks Imposed By Home Renovations?

• Removal of doors, windows and roofs,
• Delivery of plant and machinery,
• An increased number of individuals with access to the property,
• The application of heat during the works,
• Debris

Does Home Insurance Cover Home Renovations?

Most conventional house and contents insurance policies don’t necessarily cover the added risk from contract works taking place inside the home. Insurers can remove cover entirely or reduce to a minimum cover. Whether your home is undergoing a structural, internal or major renovation, it’s important to make your standard home insurer aware of any contract works before they start. If cover is not provided by a standard home insurer we recommend our specialist Home Works Insurance to help protect you against claims during renovations to your home.

Is Home Renovations Insurance A Legal Requirement?

Home Renovations Insurance isn’t a legal requirement, however you may not be covered through a standard home insurance policy during contract works taking place.

Our Higos Home Renovations Insurance For Home Renovations.

Our bespoke Home Renovations Insurance is underwritten by specialist underwriters who understand the contractual obligations homeowners face during any renovations with contract works. Our knowledgeable insurance team love nothing more than to take the time to get to know you and your needs, before providing bespoke, specialist cover. So you can have complete peace of mind that your home is thoroughly protected during any home renovations.

If the unexpected should happen, we have a friendly in-house claims team ready to provide a prompt and personal service.

If you’re interested in speaking to a chartered insurance broker for advice or a quotation for Home Renovations Insurance get in contact with us at Higos. Alternatively fill out our online request a call-back form and a member from our specialist Home Work Insurance team will call you back.