Renovation Insurance
Covers the physical structure of your property.
- Accidental damage during works
- Damage caused by contractors on site
- Theft of building materials
- Structural damage during works
- Public liability related to the works
Planning a renovation?
When a property is being renovated, standard home insurance often becomes invalid or restricted. Insurers treat it as a higher-risk period — open structures, live electrics, tools on site, contractors coming and going. Without specialist cover in place, if something goes wrong during works, the owner may not be covered.
FCA Authorised & Regulated
FSCS Protected
Personal Advice
Who is this for?
Homeowners and developers alike.
- Homeowners carrying out major renovations
- Property investors refurbishing rental properties
- Landlords upgrading short-term lets or holiday rentals
- Developers carrying out structural alterations
- Anyone in a terrace, semi-detached, or urban setting
WHAT WE COVER
Two types of cover, both potentially essential.
For any project involving structural works or works close to neighbouring buildings, both are strongly recommended.
Non-Negligence Insurance JCT 6.5.1
In the UK you can be held strictly liable for damage to neighbouring properties, even if your contractor did everything correctly.
- Damage to adjacent properties
- Subsidence, ground heave, or vibration damage
- Collapse or weakening of support structures
What's typically not covered
- Minor cosmetic works
- Pre-existing defects
- Deliberate damage
- Standard wear and tear
- Mechanical or electrical breakdown
HOW IT WORKS
Covered in 3 steps
A real conversation, a clear recommendation, sorted
Not sure what you need?
We'll talk you through it. Every project is different, and the right cover depends on the type of work, the location, and the risk involved.