Do You Need Home Renovation Insurance?

Home Renovation Insurance protects your building and contents against financial loss. To clarify, this cover is for the buildings and contents only. That is to say it does not usually mean the works are covered. Although we can insure contractor works if requested under a specialist policy. Normally if you are doing the renovation yourself it will be excluded from insurance.

Unquestionably, you will need Renovation Insurance if you are doing structural works to your property. Whereas painting and cosmetic work may be covered under some policies, anything more is likely to require specific refurbishment insurance. So, if you are having a new bathroom, windows, extension or loft conversion, you will need to buy a new policy that permits the work. Any cost of renovation can be insured.

A-Rated Insurers

In short, we boast a panel of A-rated insurers, including Aviva, Axa, Channel and HSB Engineering. That is to say we compare Home Renovation Insurance for you. However, not all policies are the same or equal. Therefore, you should read all offers of insurance carefully. Additionally, most of our policies can be cancelled when the works complete and a refund less a £35 fee will be paid back. If you update your insurance and stay with us, then no fee is charged.

Renovation Insurance With Works Cover

While most Home Renovation Insurance policies will cover the building and contents, it is worth noting the works are almost always excluded. Of course, this is explained by the contractors taking liability for their own actions. To explain, if they damage your property then it will be their insurance that pays to fix it.

On the negative side, even if your contractor supplies their own all risk liability insurance, it does not always mean it is in force. On the contrary, many contractors will buy the cheapest insurance possible and potentially leave you exposed. Have you ever seen Cowboy Builders on the TV?

Together with HSB Engineering we are able to offer full with works insurance. Correspondingly, you can rest assured your policy is top quality. Balanced against this comprehensive policy is the fact it is higher cost. What’s more, it is sold in 6 or 12-month terms without any refund if finished early.

Occupied Or Unoccupied During Renovation

Regardless of occupancy, we deliver the highest levels of Home Renovation Insurance. In brief, our aim is to deliver you the right policy and save you money. All in all, The Home Insurer has access to market leading policies and prices. With this in mind, we deliver the policy you need at a fair, not an inflated price.

What To Expect When Getting A Quote From Us

Firstly, we speak with you on the telephone. All things considered, we need to know exactly what your insurance requirement is. At this point we then compare providers and policies for you and deliver the best one to meet your needs.

With this in mind, please fill in the form below and we will call you. On the other hand, call 01832-735388 to speak to a specialist insurance adviser.

The Home Insurer is an award winning UK specialist property insurance brokerage. In other words, you can have confidence in the insurance we sell. What’s more, we are members of the British Insurance Brokers Association (BIBA). Additionally, we have a 4.9 out of 5-star rating by our customers on Feefo.