Insurance Solutions You Can Trust
Renovation Insurance
Renovation Insurance
Are you having structural work done to your property? This type of insurance can be complicated. Don’t worry, we can help.
We understand that arranging building works is complicated and stressful with lots of factors involved. Unfortunately, this area of insurance is often overlooked, however we are here to assist you and answer any questions you may have.
You would remain in control of the insurances and do not need to rely on the insurances of the contractor (ensuring quality of cover, payment of premiums, that there are no unknown exclusions or warranties which could result in avoidance of a claim).
Your home insurer may either withdraw cover or restrict the perils once they are notified of the works being undertaken which means your capital investment is not protected and any mortgage terms will not be complied with. If the home insurer is not advised of the works, the terms of the policy will not be complied with, and any subsequent claims will not be paid.
Request a Renovation Insurance quote today with our quick form!
Why Choose Us
Reliable Protection
Exceptional Support
Future-Ready Solutions
Solutions at
Every Stage
Let’s Find the Right Fit Together
Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
Tailored Solutions for Every Renovation Project
Contract Works Cover
Non-Negligence Cover
Property Owner's Liability
Extensions and Loft Conversions
Basement Digs
Demolition and New Build
Insuring Your Renovation Project in 3 Simple Steps
- Request a Quote
- Customise Your Coverage
- Get Insured
Solutions at
Every Stage
Smart Cover Starts Here
Insurance isn’t one-size-fits-all. Let’s explore options designed to match what matters most to you, with flexibility and clarity every step of the way.
Your Questions, Answered
As 87% of projects overrun, we would recommend that a contingency period is built into the policy period to allow for delays (supply of building materials, ground conditions, change in specification etc). Should the works be delayed, the policy can be extended subject to an additional information and an adjustment premium. Policy cover ceases at Practical completion or expiry of the policy whichever occurs earlier.
If works are being undertaken to an unoccupied property, whilst it possible to insure the buildings on an unoccupied basis, this will be restricted perils and will exclude any damage by a contractor. A renovation policy can be arranged for a property undergoing works whether the property is still occupied or unoccupied.
This needs to incorporate the amount paid to the contractor (including any applicable VAT), all professional fees incurred for the project, direct purchases (such as kitchens or sanitaryware) and a contingency sum.
Non Negligence (or Party Wall cover) is designed to meet your obligations and liabilities udner the Party Wall act – this imposes strict liability on behalf of the home owner which means there is no requirement on the neighbour to prove negligence by you as part of the work. A non negligence policy will respond where there is no negligence by you or your contractor but where the damage (by specified perils) would appear to be as a result to the works to your property.
Ready to help minimise your risk and uncertainty?
Request a Quote
Brown & Brown Insurance Brokers (UK) Limited is authorised and regulated by the Financial Conduct Authority (Reference Number 745618). Registered in England & Wales with number 09850559. Registered office: 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE