home cover when renovating
- Projects of up to £20,000 covered as standard.
- 5 Star rated by Moneyfacts
- Underwritten by AXA Insurance.
- Average Quote time under 10 minutes, fast and easy.
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HOME INSURANCE DURING RENOVATION
WHAT ARE HOME RENOVATIONS?
Home renovations – also known as home improvements – refer to any projects designed to improve or restore parts of a home.
It may include smaller home DIY projects, like painting and decorating, as well as larger renovations such as extensions, loft conversions, kitchen fittings and other significant building work.
HOME INSURANCE WHILE YOUR RENOVATIONS ARE UNDERWAY
With Homeprotect building and contents insurance, your home is covered as standard during renovations valued up to £20,000.
Undergoing renovations over £20,000? Let us know and we’ll adjust your policy accordingly.
We’ll still protect the parts of your home that aren’t being renovated (subject to certain limitations), while your contractor’s insurance covers the work areas (Homeprotect requires contractors to have at least £1 million in liability cover).
DO I NEED HOME RENOVATION INSURANCE?
In most instances, home building insurance and contents insurance provide enough protection against the risk of damage from fire, flooding, burglary and more – and Homeprotect policies even provide protection during home renovations.
However, home renovation cover can provide extra peace of mind that your policy will not be invalidated during any large or disruptive projects.
WHAT IF MY HOME IS CONSISTENTLY OCCUPIED?
Even if you remain in the home during the renovation works, you’ll still need to let us know if the project is valued at over £20,000.
* 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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*Survey data of 1,089 buying customers from 30th October – 12th November 2024
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.
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Our insurance experts are on hand if you have any questions.