Renovation Insurance
Competitive Renovation Home Insurance Backed By ‘Exceptional’ Service
Want to save money on your renovation insurance? Let the renovation home insurance specialists at Coversure Hull compare our markets to find you the home renovation insurance that’s right for you. Whether you need renovation insurance for an occupied or unoccupied property, or are making alterations to a commercial or residential property, call us today on 0800 977 6037 and let our award-winning team help you get the protection you need.
Renovation insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of property insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your renovation insurance quote today.
What is renovation insurance?
Renovation insurance, renovation home insurance or home renovation insurance as it’s also known, protects your property while renovation works are being undertaken. If you’re doing a significant amount of work on a property – installing a new kitchen or bathroom, re-roofing it, or excavating a basement, for example – then you’re increasing the risk to your property, its contents and the people who live or work in it. Renovation insurance provides an extra level of insurance protection while the works are being carried out by covering things such as:
- Accidental injury
- Fire
- Theft
- Property damage
What can renovation home insurance cover?
Renovation insurance is a flexible policy that can cover a wide range of risks, including:
- Accidental damage of building supplies and contents including accidents arising from flood or fire
- Damage to the structure of the property
- Empty property insurance, if you can’t stay in the property for more than 30 days owing to the renovations
- The theft or loss of building materials, tools and equipment including rented equipment such as hired-in plant
- Damage to a neighbouring property because of the work being undertaken on yours
- Public liability - having public liability insurance as part of your renovation insurance will protect you financially should someone be injured or have their property damaged because of the renovation work you are doing
- Legal expenses should there be a dispute between you and a neighbour or you and a contractor
- Alternative accommodation should the works mean that the property needs to be vacate
What types of projects need renovation insurance?
This is a question we get asked a lot, and the simple answer is… there isn’t a simple answer! It all depends on what your existing home or commercial property insurance policy will cover you for. D.I.Y. such as decorating will be covered and some policies will cover you for things like fitting a new kitchen or bathroom, though others won’t. It’s always better to be on the safe side and either contact your insurer or get some advice from an independent renovation insurance broker such as Coversure Hull by calling 0800 977 6037. As a guide, the following projects are unlikely to be covered by your standard home contents and buildings insurance and you’ll need home renovation insurance protection in place:
- Creation of a new basement
- Loft conversions – some insurers will allow these, but a lot will depend on the size of the property, its age, and whether it has a party wall with neighbouring properties
- Structural renovations, for example, significant rewiring or re-roofing
- Alterations to the layout of the house such as an extension
- Loft, cellar, basement or garage conversions
- Property conversions such as a commercial property into a residential property or a barn conversion
What types of property can renovation insurance cover?
While its often called home renovation insurance, property renovation insurance through Coversure Hull can cover a wide range of properties, including:
- Homes
- Rental properties
- Commercial properties such as shops and offices
- Holiday homes and second homes
These are just some of the properties we can cover. If you have a specific property in mind, then please get in touch. You can call us free on 0800 977 6037 or start your renovation property insurance quote today.
How much does renovation insurance cost?
At Coversure Hull we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your renovation property insurance quote will depend on things like:
- Your building’s postcode
- The type of work you’re doing
- The rebuild cost of the property
- Whether it will need to be vacated for the duration
- Whether you’re employing contractors
- The proximity of other properties
- If you have tenants that will need to be re-housed
- The duration of the works
- The site’s level of security
- Your claims history
If you’d like to know how much a renovation property insurance policy will cost you, please get in touch. You can call us on 0800 977 6037 or start your renovation property insurance quote today.
How to get cheaper renovation property insurance
The easiest way to get cheaper home renovation insurance is to use a specialist independent insurance broker such as Coversure Hull. With our knowledge of the market and insurer relationships, we can help you get cheaper home renovation insurance quotes. The other ways are to:
- Increase your excess, the amount you pay in the event of a claim
- Conduct a risk assessment with your broker
- Secure the site
- Limit access to the site/move people out of the building for the duration of the works
Renovation property insurance FAQ
Home renovation insurance is a complex area of cover and it’s important to get it right. To help you get the protection that’s right for you, here are our renovation insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of insurance specialists will be happy to talk you through the options to ensure you get the cover that’s right for you.
Q. Is renovation insurance a legal requirement?
A. No, but your existing home insurance may be invalidated/not cover you for the risks associated with major works
Q. Why do I need renovation insurance?
A. Major works won’t be covered by your standard home insurance and risks such an accident insurance, loss of supplies or tools, and public liability cover need specialist renovation insurance protection
Q. What types of commercial property can be covered?
A. We can insure all kinds of properties, from homes to let properties and commercial properties
Q. Do I need to tell my insurer about the work I am doing?
A. Yes. If you don’t and something goes wrong, they could refuse the claim. You don’t need to tell them about D.I.Y. or if you’re having someone in to decorate or do cosmetic work, but you should tell them about things like:
- Structural renovations such as rewiring or re-roofing
- Alterations and additions to the layout of the house such as an extension
- Loft, cellar, basement or garage conversions
Q. How much does renovation insurance cost?
A. That will depend on things such as:
- Your building’s postcode
- The type of work you’re doing
- The rebuild cost of the property
- Whether it will need to be vacated for the duration
- Whether you’re employing contractors
- The proximity of other properties
- If you have tenants that will need to be re-housed
- The duration of the works
- The site’s level of security
- Your claims history
Q. Will renovations push up the cost of my property insurance?
A. Yes, major renovations like extensions can result in higher insurance costs as they increase the cost to rebuild your home, a significant factor in determining your home insurance quote
Q. How can I get a home renovation insurance quote?
A. Getting a home renovation insurance quote is easy. You can call us 0800 977 6037 or start your home renovation insurance quote here.
Get a renovation insurance quote today
If you'd like some renovation property insurance help or a renovation insurance quote call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
