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What does renovation insurance cover?
Accidental Damage cover isn’t always added as standard to your policy and is usually an add-on to your home insurance. While home improvements are carried out, it would cover you for those little accidents which can have expensive ramifications; things like bursting a pipe when nailing a nail in a wall. You can include accidental damage on most of our home insurance policies as and when you need to. If you are carrying out renovations yourself like building an extension or replacing windows and it isn’t being completed by contractors, you will need to check with your current insurance provider to confirm if accidental damage cover is still available. If trades people are entering your home you will want to inform us to update your policy. This does not cost anything extra but means you have the extra comfort of knowing everything is correctly noted on our systems. Any trades people should have construction insurance of their own for damage they may cause. During the time you have contractors at your property cover for theft, attempted theft and malicious damage maybe restricted unless violent or forcible entry or exit has been used.
If you’re moving out of the property for over 3 months while work is being done you may need unoccupied home insurance. In this case we can easily update your policy. Unoccupied insurance accounts for the extra risk to your home while it is vacant, if you fail to advise your insurance company that your property will be unoccupied for longer than the standard unoccupancy it could invalidate your policy. Speak with one of our advisors who will be able to update your policy then and there over the phone. You’ll want any renovations being carried out on your property to interrupt your life as little as possible; just the same, we don’t want your insurance to suffer at the hands of some temporary work being done to your home. So whatever work you’re planning our suite of property insurance policies mean you have great quality home insurance at all times.
Check out some more info on all things home, including some tips on renovation in our property hub:
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