Building work insurance for properties undergoing renovation – Buy online
Whether you are having large-scale building work or smaller renovation work done, we can cover a wide variety of situations. When you quote with CoverBuilder we’ll look at the details of your specific scenario. We’ll then return cover and a premium based on your building work insurance needs. All our building work insurance quotes are 100% online with instant decisions on price.
Building work at the property whilst you continue living there
- Accidental damage cover available as long as damage not connected to building works (see below)
- Full cover available and not restricted to Fire, Lightening, Explosion, Aircraft (FLEA)
- Theft cover provided if there is a sign of forced or violent entry
- 2 million public liability cover included as standard
- Cover for properties having up to £200,000 of building works
- Acceptance of a wide range of projects including extensions, loft conversion and structural work.
Building work at the property and the property is unoccupied
- FLEA cover available for the duration of renovations, up to work value of £250,000
- Theft cover provided as a result of forced or violent entry
- Wide acceptance of projects including extensions, loft conversions and structural work.
- 2 million public liability cover included as standard
- Allowance for properties left unoccupied long-term
- The policy can be converted to standard occupied policy when works are complete. You will be issued with a pro-rata refund.
Flexible policy term – Cancel at any time!
Many of our customers who take out cover for an empty property only need short-term cover. Therefore with CoverBuilder you can cancel at any time with no cancellation costs. You simply call us and we’ll pro-rata your premium and refund any overpaid premium to you. This is whether you pay monthly or in full. Learn more about our cancellation promise.
Accidental damage cover option
If you will be living at the property during the works, you are able to select the Accidental Damage cover. This will protect your property and contents whilst building works are on-going.
Examples of when you could and couldn’t claim.
COULD: You have works on-going at the property to remodel your kitchen. You spill red wine on a front room cream carpet. You can claim for the carpet damage.
COULD NOT: A workman drops tools onto your kitchen work surface and cracks it. This would need to be claimed via the 3rd party trade policy the builders have in place, through the building company.
What types of projects do we cover under building work insurance?
We are able to cover a wide variety of renovations that can change your property in a number of ways. The cost of these can vary a lot. We have therefore included an average cost of buildings works for each category. These costs are to be used as an example only.
Building an extension to the property
If you are looking to add square foot to your property then either a single or double storey extension is usually the best method. This will often involve a lot of work and the knocking through of walls. Average cost: £35,000
Loft Conversions & Extensions
If there is not the room to build an extension many people choose to extend up into the loft. This usually means at least an extra bedroom at the house. Planning is usually needed, especially if dormer windows will be installed. Average cost: £30,000
Whole house rewire
If electrics at the property become out-dated, you may need to completely rewire. This will allow you to install a modern system. Works such as this can clearly bring an increased fire risk. Average cost: £4000
Similarly to rewiring, it can sometimes become necessary to completely replaced all of the plumbing your property. This is very true if it is old or has started to leak. This will involve taking up floorboards and removing plaster from walls, meaning it can be quite a messy job. Average cost: £7000
If the plaster in a property has become badly damaged or is no longer a suitable texture to paint you may need to replaster. You will also need to plaster a new extension once it has been built. Average cost: £5000
Full kitchen replacements
The kitchen is often the area of a home where a family will spend most of their time. It is also one of the areas that can most quickly look dated. The cost of replacing a kitchen can vary a lot depending on what spec is chosen. Average cost: £10,000
Replacing a bathroom can totally change the look of a house with the whole suite able to be pulled out and replaced. This will generally be less expensive than replacing an entire kitchen but can still run into many thousands of pounds. Average cost: £8,000
Properties will usually not need to be reroofed very often. The cause is usually that the existing roof is damaged rather than cosmetic reasons. It is something that needs to be carried out by professionals. This will generally require a few days of good weather to be completed. Average cost: £6,000
Removing interior walls
Removing interior walls at your property can completely change the space. It gives the potential for much larger open plan living areas. There is also the option to remove and then replace walls, changing to layout to provide extra bedrooms. Average cost: £3,000
Wall rendering involves fixing a mixture of wet cement and sand to a wall with a trowel. Rendering gives the wall a solid cement look and can be used to cover up the existing wall material. Average cost: £12,000
Redecorating your house can cover any number of DIY jobs. It is generally not such a major undertaking as many of the other jobs on this list. It will usually be limited to simple tasks such as painting, wallpapers and laying new flooring. Average cost: £2,500
This involves work that is carried out to the exterior of the property. This could involve laying a new drive or patio or landscaping a lawn area. It will often be carried out by tradesmen and require the use of machinery. Average cost: £2,500
People often choose to convert existing outbuildings into usable spaces. It is a cheaper alternative to building a new extension. This could include converting a garden shed into a gym or an old stone barn into a home office. Average cost: £6,000
A new conservatory is usually more cost-effective than a full extension and provides a bright and sunny addition to your living space. They can be built in a relatively short space of time causing minimal impact upon your existing living space. Average cost: £10,000
Do I need building work insurance?
Even with a lot of planning and care, building works at your home do increase the chance of damage happening. Your insurer will, therefore, need full details of the work which will be carried out. This allows them to look at the cost of your policy, as well as making sure they are still able to provide cover. Your cover is reduced to the very basic level of risks such a Fire, lightening, Explosion, Earthquake and Aircraft with many policies. At CoverBuilder we continue to be able to cover the property in full and the contents within, even during building works.
What information do I need when quoting for my insurance?
- The value of works. How much are you planning to spend on the work?
- Type of work being carried out.
- Will the work change the size of the property?
- Timescale. When is the work due to start and finish?
- Contractors and tradespeople. Will a professional complete the work or are you planning to do it yourself?
- Contract. Do you have an agreement in place with your builder?
- Public liability insurance. Do your contractors have public liability insurance?
- Planning permission. Do you have the necessary planning for building works?
When should I inform my insurer of building work?
You need to tell your insurer about any changes you make to your property. This is even if they are simple cosmetic updates. This includes tasks as minor as painting and any kitchen/bathroom replacement that takes place. It is very important that you tell your home insurer about any structural changes, electrical or plumbing work that takes place. This will ensure the validity of your home insurance policy in the event of damage during this time.
I’m not going to be living at the property during the building works. Does my insurer need to know?
Generally, a household insurance policy will only provide cover for a property that is not being lived in for up to 30 consecutive days. If you are going to be moving out of your property for a longer period of time during your building works then you will need to inform your insurer. Based on this they can either change your policy or help you to replace it with more suitable cover. Not telling your insurer about a property being unoccupied could mean you have difficulty making a claim.
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