The New Home Works Insurance Package from Higos

construction worker

Home Works Insurance - For Home Contract Works

At Higos we love different. That’s why we’re constantly developing, and looking for new ways to provide our clients with wider and better cover. In light of the COVID-19 pandemic, we found that homeowners were less likely to sell their homes, and were more likely to renovate their existing home.

Because of this, we announced our new bespoke home works insurance package. This is insurance for homes under renovation. We provide cover for the existing structure, contract works, homeowners liability, and buildings and contents. All whilst your property is being renovated, refurbished or is under construction.

Our bespoke product is underwritten by specialist underwriters who fully understand the importance of having the right cover in place. Particularly during the contractual obligations risks homeowners face during any contract works.

Our product is simple and 100% tailored to your needs, so you can have peace of mind that your home is properly protected during any contract works. So whether if it’s your primary or secondary home, our specialist team will get to know your situation. Only then will they use their knowledge, experience and reputation to find excellent levels of tailored cover.

Home Insurance During Renovations Vs. Standard Home Insurance

Whether your home is high-value or not, having specialist home insurance during building works is vital. Most conventional house and contents insurance policies won’t cover the added risk from contract works taking place inside the home. Insurers can remove cover entirely or reduce to a minimum cover. Our home works insurance will provide the cover you need, keeping you thoroughly protected while contact works are taking place. All the while still providing cover for your standard home insurance perils like house and contents insurance.

Some of the main risks imposed by contract works include the following:

  • 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

Our specialist insurance for homes under renovation is available through our chartered insurance brokers. For more information on this product, find your local branch and pop in. Alternatively, call our head office personal insurance team on 01458 270324 or request a call back at a time that’s convenient for you. For your home works insurance, it has to be Higos.


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For more information on how we can help with contract works home insurance