Loft Conversion Insurance

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A loft conversion can be an excellent way to create more liveable space in your home, without having to extend the existing structure.

Many loft conversions can be completed under Permitted Development which can speed up the process as planning permission does not need to be obtained. However, there are a few things you should consider when planning a loft conversion:

  • Head height – This should be a minimum of 2.2 metres. If you need to increase the height in order to complete your loft conversion, this may require planning permission and will increase the cost and time it takes to complete the project.
  • Staircases – You need to ensure there is enough floor space below to install a staircase in order to access your new room.
  • Support – Your floor joists need to be able to withstand the weight of people/fixtures and fittings being installed. If they are not strong enough you may need to install some steelwork or new joists.
  • Storage – A new bedroom or office will definitely be beneficial, but you need to consider the amount of storage space you will be losing.

Many standard home insurances would be invalidated once works start or they may have a works exclusion within the policy wording, which excludes all damage relating to the works. This would put you and your property at risk should you suffer a claim during your loft conversion. Renovation Plan would replace your standard buildings insurance during the loft conversion and provide cover for the existing structure and all the new works. Your fixtures and fittings, such as a bathroom, would also be covered as soon as they are delivered to site.

Loft conversions save money

Loft conversions tend to use up ‘dead space’ in your home. Research has shown that a loft conversion can actually make your property more energy efficient as the extra insulation will bring your utility bills down.

Loft conversions add value

Using this extra space within your home, perhaps converting your loft into an extra bedroom, can increase the value of your property. Research has shown that a loft conversion could increase your property value by up to 20%!


Q: Do I need planning permission for a loft conversion?

A: Planning permission is not normally required for most loft conversions as they generally fall under your permitted development rights. You may need to get planning permission if your plans exceed certain limits and conditions, such as extending or altering the roof space beyond its current limits.

Q: I am completing my own loft conversion; will this insurance cover me?

A: Yes, our Premier Plus product caters for property owners doing some of the works themselves. This would fall under the Accidental Damage section of the insurance.

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