HOME INSURANCE DURING BUILDING WORK
- Projects of up to £20,000 covered as standard.
- 5 Star rated by Moneyfacts & rated ‘Great’ on Trustpilot.
- Underwritten by AXA Insurance.
- Average Quote time under 10 minutes, fast and easy.
More information
GOT THE BUILDERS IN?
Get the right type of cover
If you don’t tell your insurer that your home is undergoing renovation, you may find that your policy is invalid in the event of a claim. This applies whether or not you continue to live in your home while the work is being done.
This is because the risk of something unexpected happening to your home and its contents increases considerably when you’ve ‘got the builders in’.
Here at Homeprotect we’re happy to insure homes that are undergoing renovation. All you need to do is let us know the value of the contract. If it’s a substantial project you may then need to pay an extra, one-off fee.
* Terms and conditions apply.
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home Insurance with renovation Cover Levels
Buildings cover
Protects the main structure of your home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
£1 million
(more cover available if you need it)
Contents cover
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £75,000 (Buildings)
up to £10,000 (Contents)
Home emergency
Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.
up to £10,000
Outbuildings cover
Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.
from £20,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals. Two levels of cover are available.
Optional
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New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
Your Questions Answered
Contractors working on your home must hold at least £1 million in public liability insurance to qualify for Homeprotect cover.
You only need to tell us if the redecoration work is worth over £20,000. Smaller cosmetic work doesn’t need to be declared.
When undergoing home renovation work with a reputable contractor, they should provide public liability insurance. Homeprotect requires contractors to have at least £1 million in liability cover to qualify for our policies.
Homeprotect renovation insurance then provides cover for the rest of your home, where the renovation works aren’t taking place.
If your home renovations are valued at £20,000 or above, you will need to let us know, so we can adjust your home insurance policy accordingly. If you don’t you risk invalidating your policy if you attempt to make a claim.
No. Contractors are responsible for their own insurance. Our policy does not cover injury to or caused by contractors.
Homeprotect renovation insurance is designed to protect the rest of your property while you are undergoing valuable renovation projects. The projects themselves will be covered by your contractor’s liability insurance.
Yes. If your renovation is valued over £20,000, you must notify us before work begins. If you don’t, your policy could be invalid.
Use the BCIS Rebuild Calculator built into our online quote journey, or contact a chartered surveyor, especially for listed buildings or non-standard construction.
Cosmetic changes include decorating, new flooring or fittings. Renovations are more structural or involve plumbing, electrical or major building work.
Yes, but you can’t claim for anything that happened before the policy began. Claims for earlier incidents may be considered fraud. .
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