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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Unoccupied For Renovation Home Insurance
Specialist Home Insurance for Unoccupied Properties Due to Renovation
Renovating your home can mean leaving your property unoccupied while the work is carried out. When this happens, you may need specialist home insurance to protect your property while it is vacant.
Many homeowners ask, "Can I get home insurance if my home is unoccupied while having improvements?” At InsuraHome, the answer is yes. Our specialist unoccupied home insurance during renovations is designed for homes that need to be left unoccupied while renovation work is carried out.
If your home needs to be left unoccupied during renovation work, having the right insurance in place can help protect your property while it is vacant. This could be because you're carrying out an extension or converting existing space into a new living area.
Ready to explore your options? Request a renovation home insurance quote today. Simply complete our short form to get started.
Request an Unoccupied Renovation Home Insurance Quote
Why Unoccupied Renovation Home Insurance Matters
Renovating your home is an exciting opportunity to transform your property into the space you've always wanted. However, some renovation projects mean you need to leave your home unoccupied while work is carried out.
During this time, your vacant property may be at a higher risk. Risks can include fire, theft, escape of water and storm damage. Because no one is living at the property, any damage may not be discovered straight away.
Standard home insurance policies are typically designed for occupied homes. If your planned renovation means your property will be left unoccupied, you may need specialist cover instead.
That's why having specialist insurance in place can help protect your unoccupied property against unexpected events. It can also help you avoid costly setbacks that could delay or disrupt your renovation project.
Please Note: There is no cover for the works themselves or contractors while they are undertaking renovations in your home.
Unoccupied Renovation Home Insurance Cover
Our unoccupied house insurance while renovating is designed to protect your property while it is left vacant because of renovation work. It can provide cover against a range of insured 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 an Unoccupied Renovation Home Insurance Quote
Compare InsuraHome Unoccupied Renovation Home Insurance
Choosing the best home renovation insurance means finding a policy that matches your property circumstances. This is especially important when your property will be left unoccupied during renovation work.
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) | ✔ | ||
| Escape of Oil & Smoke Damage (Up to £10,000 any one claim) | ✔ | ||
| Theft / Attempted 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 cover. For full details of what is and isn't covered, please refer to the policy wording.
Please note: the level of cover available may depend on the outcome of the underwriting process.
Why Choose InsuraHome Unoccupied Renovation Home 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 when your property is unoccupied during renovation work.
That's why our specialists review each application individually to help find suitable cover for your property and circumstances.
Specialist Cover for Your Unoccupied Property During Renovation
Renovating your home is a major project. If your property needs to be left unoccupied during the work, having the right house renovation insurance in place can help protect it. It also gives you peace of mind that you have suitable cover in place throughout the time it is vacant.
Our specialists are here to help you find the right insurance 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.
Request an Unoccupied Renovation Home Insurance Quote
Discover Other Specialist Home Insurance Solutions
We offer a range of specialist home insurance products for different property types and circumstances. This includes cover for probate homes, holiday homes and other non-standard properties.
Some homeowners may need specialist cover because their circumstances are more complex. Our team may be able to help if standard home insurance is not suitable.
Click here to read our Unoccupied For Renovation Home Insurance FAQs
Frequently Asked Questions about Unoccupied For Renovation Home Insurance
1. What Is House Insurance During Building Work?
House insurance during building work is a specialist type of insurance designed for homeowners properties that need to be left unoccupied while building work is carried out. 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 if your property becomes unoccupied while home improvements or renovations are being carried out.
Our specialist home improvement insurance is designed for these situations and can cover your property while unoccupied for a wide range of home improvements. This includes structural alterations, garage conversions, loft conversions and home extensions.
However, our home insurance for renovations does not cover certain types of work. For example, basement formation or situations where there is a clear intention to demolish the existing structure.
Please note: home improvements do not include routine maintenance, repairs or redecorating to the home.
3. Who Can Get InsuraHome Home Renovation Insurance?
Our home renovation insurance is for UK homeowners carrying out renovation projects where the property needs to be left unoccupied during the work.
We have provided cover for homeowners who own properties across:
- England
- Wales
- Scotland
- Northern Ireland
- The Channel Islands
4. How Much Does Renovation House Insurance Cost?
The cost of unoccupied while undergoing 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, how long your property will be unoccupied, the level of cover you choose and the rebuild value of your home.
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 arranging home insurance for building work with InsuraHome. You must notify us as soon as possible that you will be carrying out building work to your property.
Additionally, you must tell us at least 30 days before the following:
- 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 and is not 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 Unoccupied 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.