We understand that every project is unique, which is why we provide an Extension Insurance cost on a case-by-case basis. Simply speak with our approachable, expert team to get started.

Before we can offer you a tailored quote, we’ll need the following details to help us find the right cover for you:

• Your project start date
• A description of the works
• How long the works are expected to take
• The overall costs
• Details regarding the existing structure

Yes, you still need Extension Insurance despite your builder’s cover.

Your builder should have at least £2m Public Liability Insurance to cover any damage caused. But if something happens that isn’t their fault – such as fire, flood, escape of water, theft and impact – their policy won’t cover it as their negligence cannot be proven.

That’s why you need specialist cover – so you can rest easy knowing you’re fully protected in almost any circumstance.

No. Typically your standard home and buildings insurance will not be enough to cover extension work at your property. Usually because structural change isn’t covered.

During the construction period, your existing home insurer (who you should inform regarding the building of your extension) will most likely apply a works exclusion to the policy. This leaves your home and your new extension at risk. The right Extension Insurance policy will help to bridge any gaps.

Once the extension work is complete with all fixtures and fittings installed and it’s been signed off by building regulations (if needed), only then will your home insurer cover the extension as it’s now part of your property.

Don’t worry. We understand that an extension may not be completely weatherproof and watertight part-way through a build, so this isn’t a problem. Just be aware that during this time, there may be certain restrictions applied depending on the level of cover you go for.

It’s usually suggested to take out an Extension Insurance policy during the planning stages before building work begins. This means that you’re fully protected at all times and understand what work is involved and requires cover.

Yes, you need to let your home insurance provider know if you plan to make substantial changes to your home. If you don’t, your policy could become invalid. It may be that you need to give a certain amount of notice, so check your policy details.

Your standard home insurance policy is affected as it’s unlikely to cover you and your property against a number of risks that come with building an extension. That’s why you need to inform your home insurance policy provider of any building extension work as your property will face additional structural and security risks while the building work takes place. This is why this cover is so essential.

Another important consideration is that once your extension is complete, you may have to pay more for your standard buildings/home insurance. You’ve increased the size/square footage in your home, so that may affect the premium. Don’t forget, your contents insurance – which may be part of your home insurance or a standalone policy – may also increase depending on how you furnish your extension. In short, it’s usually best if you double-check all existing insurance policies relating to your property.

Extension Insurance works by providing specialist cover for your project during the period of extension work.

When undertaking an extension, your standard home insurance won’t usually cover the project. So, you’ll need specialist insurance to protect against the risks that come with this type of work.

You can get cover based on your project’s duration – between three and 36 months. And you can extend/cancel if the project runs over/finishes early. And you can usually choose between different levels of cover based on your requirements.

Extending a property not only gives you more living space, but it can also greatly increase its value. If you’re happy where you are but need more room, it makes financial sense to opt for a building extension rather than looking for a new home altogether.

Renovation work can take several months and is notorious for getting messy – particularly if you’re knocking down walls or underpinning foundations. So, whether you’re opting for a self-build and doing most of the work yourself, or you’re hiring a team of trusty professionals, make it a project priority to have the right cover in place. This will ensure you’re protected throughout the extension, so you can plough ahead with peace of mind.

At Renovation Plan, we can cover projects big and small. Extension projects might include:

Rear, side, or front extension

Whether you’re extending the back, side, or front of your property, it’s likely your usual home insurer won’t cover the structural works involved. That’s where Renovation Plan comes in, with insurance that covers this for you.

Extending up into the loft

While many loft conversions can be carried out without planning permission, standard insurance is unlikely to cover the work taking place. When you choose our Building Extension Insurance, you don’t have to worry. You can rest easy knowing that your attic space is fully protected, with a policy that covers everything from the existing structure to all new works – plus any fixtures and fittings once they’re delivered to the site.

Basement extensions

If you’re planning a basement extension or fit-out, that’s a big ‘below stairs’ job, so you’ll require specialist cover. Our range of Home Extension Insurance policies in the UK can protect you for all works involving underpinning and piling, with the additional benefit of covering neighbouring semi-detached or terraced properties too. So those nice people next door can also feel assured!