Renovation Insurance | Insurance For Home Renovation | Coversure

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Property Renovation

Independent service from your local insurance specialists

Need a renovation insurance quote?  Let the independent specialists at your local Coversure office compare their markets to find you quality home renovation insurance protection. Your local Coversure office can tailor protection to your property's needs, so start your quote today.

Property Renovation

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What Is Home Renovation Insurance?

Home renovation insurance, or property renovation insurance as it’s also known, protects your property while you have building work done. This flexible policy can cover a range of work and risks, including:
  • Adding an extension
  • Refitting a kitchen or bathroom
  • Doing a loft conversion
  • If someone is injured on site
  • Subsidence
  • Work on owned and let properties

Why Get Home Renovation Insurance Through Coversure?

When you get property renovation insurance through your local Coversure office, you can enjoy the following services and policy options:

  • Independent advice from a broker you can trust
  • Flexible policies whereby you only pay for the months that you require cover and no more
  • Annual policies – saving you from having to source another insurance policy after the renovation work is complete
  • Buildings and contents cover
  • Various levels of cover, from fire cover to a fully comprehensive home renovation insurance policy that includes flood, theft, and malicious damage
  • Cover for residential homes and properties pending letting

Who Needs Property Renovation Insurance?

Thanks to our extensive network of insurer relationships, your local Coversure office can provide cover to property owners who are:

  • Rebuilding a property
  • Adding an extension to their home
  • Converting a property to flats and vice versa
  • Building a new home
  • Carrying out significant internal changes – a new bathroom, kitchen, conservatory, etc.

If you have a project planned and want to protect yourself against the risks of property renovation, contact your local Coversure.  They will be able to give you the benefit of their independent advice and offer you a renovation insurance quote.

What can Property Renovation Insurance cover?

Home renovation insurance can protect you and your property from inception to completion.  It offers a package of protection that allows you to cover multiple risks on a single policy, risks such as:

  • Damage to your building from threats such as fire and flooding
  • Damage to or loss of contents
  • Subsidence or a landslip caused by your works
  • Damage to neighbouring properties caused by the renovations on your property
  • Theft of building materials, tools, and equipment from the site
  • Theft or damage of your possessions
  • Public and employers’ liability insurance in case of injury or damage to people during the works
  • Legal cover should you run into a dispute with the people completing the work.

How Much Does Renovation Insurance Cost?

The cost of a home renovation insurance policy depends on several things, such as:

  • The value of the property being worked on
  • The rebuild value of the property
  • The extent of the renovation work
  • Where your property is
  • How long will the work take
  • Whether your home will be left empty while the work is done

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Property Renovation cover for you.

Property Renovation Insurance FAQ

Property renovation insurance can be a complex area of cover, so to help you get the protection you need, here are the answers to some frequently asked questions:

Generally speaking, no, a standard home insurance policy will only cover minor works such as redecorating and other DIY jobs.  It’s worth checking with your home insurance provider, as policies differ though

Your insurer will want to know you are having work done and will probably ask you:


  • The extent of the work
  • The cost of the work
  • How long will the job take
  • Who is doing the work, and whether they have public liability insurance in place
  • Whether the property will be left empty while the work is done

Your local Coversure office will be happy to give you the benefit of their advice and a home renovation insurance quote

It will depend on the scale of the work you are undertaking and your qualifications – if you’re a builder by trade, that’s fine.  If in doubt, contact Coversure, and they’ll be happy to give you the benefit of their advice

You will need one policy per property

Need a Property Renovation Insurance quote?

If you’d like a Property Renovation Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

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* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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