Home Renovation Insurance
- Specialist insurance for homes undergoing renovation or refurbishment
- Cover for properties that are unoccupied for 60 consecutive days or longer during renovation
- Choose from buildings, contents or combined home insurance
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Home Renovation Insurance
Specialist Home Insurance for Properties Under Renovation
Home renovation projects can increase the risk to your property, so it's important to have the right insurance in place from the start.
Many homeowners ask, "Can I get home insurance if my home is having improvements?” At InsuraHome, the answer is yes. Our specialist home insurance during renovations is designed for homes left unoccupied while major renovation work is carried out.
Renovation work can increase the risk of fire, theft, escape of water, storm damage and other unexpected incidents. Most standard home insurance policies are unlikely to cover these risks. Having the appropriate insurance in place can help protect your property from the moment work begins until the project is complete.
Ready to explore your options? Request a renovation home insurance quote today. Simply complete our short form to get started.
Request a House Insurance During Renovations Quote
Why Home Renovation Insurance Matters
Renovating your home is an exciting opportunity to transform your property into the space you've always wanted. Whether you're adding an extension, converting existing space or carrying out a major refurbishment, every stage brings you closer to creating the home you want.
However, larger renovation projects often require you to leave your home unoccupied while work is carried out. During renovation work, your property may be more vulnerable to risks such as fire, theft, escape of water and storm damage. If your home is left unoccupied, these issues may not be discovered straight away.
Standard home insurance policies are typically designed for occupied homes. During major building work or while your property is unoccupied, you may need specialist cover instead.
That's why having specialist renovation insurance in place can help protect your property against unexpected events. It can also help you avoid costly setbacks that could delay or disrupt your renovation project.
Home Renovation Insurance Cover
Our house insurance while renovating can provide cover against a range of risks, including:
Fire Damage
Covers damage caused by fire, including smoke damage and damage from lightning or explosion.
Weather & Flood Damage
Covers loss or damage caused by storm, flood or severe weather conditions.
Escape of Water & Oil
Covers damage caused by leaks from pipes, heating systems and domestic appliance.
Theft & Burglary
Covers loss or damage resulting from theft or attempted theft, subject to your policy terms.
Property Owners' Liability
Covers your legal liability if someone is injured or their property is damaged in connection with your home.
Subsidence, Heave and Landslip
Covers loss or damage caused by movement of the ground beneath your home.
Request a House Insurance During Renovations Quote
Compare InsuraHome Home Renovation Insurance
Choosing the best home renovation insurance means finding a policy that matches your renovation project and provides the level of cover you need.
At InsuraHome, we offer three levels of cover, making it easy to compare your options and choose the policy that best meets your needs.
| Cover Included | Level 1 | Level 2 | Level 3 |
| Fire | ✔ | ✔ | ✔ |
| Aircraft | ✔ | ✔ | ✔ |
| Subsidence | ✔ | ✔ | ✔ |
| Storm and Flood | ✔ | ✔ | |
| Vehicles or Animals | ✔ | ✔ | |
| Falling Trees | ✔ | ✔ | |
| Escape of Water (Up to £10,000 any one claim) | ✔ | ||
| Heating Installation (Up to £10,000 any one claim) | ✔ | ||
| Theft (Up to £10,000 any one claim) | ✔ | ||
| Riot (Up to £10,000 any one claim) | ✔ |
The comparison table above shows which insured risks are included with each level of house insurance for renovation. For full details of what is and isn't covered, please refer to the policy wording.
Why Choose InsuraHome Home Renovation Insurance
Every renovation project is different, from loft conversions and extensions to complete property refurbishments. Here at InsuraHome, we understand the challenges of finding home insurance while renovating.
That's why our specialists review each application individually to help find suitable cover for your property and circumstances.
Specialist Cover for Your Property While It’s Renovating
Renovating your home is a major project, and the right house renovation insurance can help protect your property while work is underway. It also gives you peace of mind that you have suitable cover in place throughout the renovation.
Our specialists are here to help you find house renovation insurance that's right for your property and circumstances. We'll help you explore the cover options available so you can choose the policy that best suits your needs.
Frequently Asked Questions about Home Renovation Insurance
1. What Is House Insurance During Building Work?
House insurance during building work is a specialist type of insurance designed for homeowners carrying out major renovation or structural works. It helps protect your property against a range of insured risks while the project is underway.
2. Does Home Insurance Cover Home Improvements or Renovations?
Standard home insurance may not always provide suitable cover during major structural work or if your property becomes unoccupied.
Our specialist home improvement insurance is designed for these situations and can cover a wide range of major home improvements. This includes structural alterations, garage conversions, loft conversions and home extensions.
Please note: home improvements do not include routine maintenance, repair or decoration to the home.
3. Who Can Get InsuraHome Home Renovation Insurance?
Our home renovation insurance is for UK homeowners carrying out major renovation projects where the property may be left unoccupied. We have provided cover for homeowners who own properties across:
- England
- Wales
- Scotland
- Northern Ireland
- Isle of Man
- The Channel Islands
4. How Much Does Renovation House Insurance Cost?
The cost of renovation house insurance depends on several factors, so there isn't a fixed price.
Several factors can affect the cost of your policy. These include the type of renovation you are carrying out and the length of time your property will be unoccupied. Also, the level of cover you choose and the rebuild value of your home will affect the price of the policy.
If you're unsure of your property's rebuild value, you can arrange a rebuild cost assessment with a Chartered Surveyor. Alternatively, you can use a rebuild cost calculator to estimate your home's rebuild value.
5. Are There Any Requirements for Home Insurance During Building Work?
Yes. There are some requirements when it comes to home insurance for building work with InsuraHome. Firstly, you would need to notify us as soon as possible that you will be carrying out building work to your property.
Additionally, it is important that you tell us at least 30 days for the following situations:
- before any building work starts at your property
- before entering into a contract for building work valued at more than £75,000 (including VAT)
However, if you do not notify us, it could affect your cover or result in your policy becoming invalid. Your policy documents will explain any conditions that apply to your cover.
6. Is This Accidental Damage Cover for My Home Refurbishment Insurance?
Accidental damage cover is not included in house refurbishment insurance, nor available as an optional extra. This means accidental damage to certain items is not covered under the policy. These include glass, solar panels, bathroom fittings, hobs and underground pipes.
7. How Do I Get an InsuraHome Home Renovation Insurance Quote?
Arranging a home renovation insurance quote with InsuraHome is straightforward. Simply click the Request a Quote button and complete our short online form with a few details about your property.
Once you've submitted your form, one of our specialist home insurance team members will review your information and contact you to discuss your quote.