Modern home undergoing renovations.

Home Renovations Insurance

Renovating your property can be an exciting time, but it’s also when there’s the biggest risk of damage to your home and contents. That’s why we offer bespoke home renovations insurance: so you can have full peace of mind that your house is fully protected should the unexpected happen.

Our Home Renovations Insurance can cover:

  • Buildings
  • Contents
  • Outbuildings
  • Alternative accommodation
  • Legal expenses
  • Property owners’ liability
  • Theft (including personal possessions, building materials, tools, and equipment kept at the property)
  • Contract works
  • Personal accidents
  • Employers’ Liability
  • Construction damage
  • Accidental property damage (including damage to the new building, existing structure, and to neighbouring properties)

For a home renovations insurance quote, call 01458 270324 or click the 'Request a call back' button.


If you are an existing Higos customer, please call your branch

Door fitted with new hinges.

What is home renovations insurance?

Home renovations insurance, often known more simply as renovations insurance, is a type of policy designed specifically to cover risks associated with home improvement projects. This can protect against a range of potential issues such as damage to the property during construction, theft of materials or tools, and liability for injuries or accidents on-site.

Having house renovations insurance in place should be an essential consideration for homeowners undertaking significant renovations. Standard home and contents insurance policies often won’t cover damages or losses related to construction work. However, with a bespoke policy from Higos, homeowners can safeguard their investment and ensure financial protection throughout the renovation process.

House undergoing loft renovation.

We get to know you and your renovation insurance needs

At Higos, our bespoke home renovations insurance is underwritten by specialist underwriters. We understand the contractual obligations homeowners face during any renovations with contract works and will tailor your policy to suit your exact needs.

Unlike some other insurers, we don’t shy away from homes that don’t fit the norm or easily tick all the boxes. Instead, our specialist renovations insurance team love nothing more than getting to know you, your home, and the risks you face. This ensures you can have complete peace of mind that your home and contents are thoroughly protected during your home improvements.

Construction site for a house extension.

What types of home renovations and extensions are covered?

We’re able to provide home renovations insurance to cover a variety of conversions and extensions. This includes:

  • Loft conversions
  • Single-storey renovations
  • Multistorey renovations
  • Whole property renovations
  • Conservatories
  • Basement conversions
  • Garage conversions
  • Landscaping
  • Kitchen and bathroom remodelling
Shaking hands over paperwork.

A personal claims service you can rely on

Despite our best efforts, accidents can always happen. If the unexpected occurs and you need to make a claim on your home renovations insurance, we’ll give you all the reassurance and support you need, when you need it most.

For a personal service and all the renovations insurance you need - without paying for cover you don’t - it has to be Higos.

Contact us Higos

For independent advice or a personal quote on home renovations insurance