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 or you’re hiring a team of trusty professionals, it’s important to have the right building extension insurance in place. This will ensure you’re protected throughout the renovation, so you can plough ahead with peace of mind.

What is building extension insurance

Having the right home extension insurance in place means you’ll be covered against risks that otherwise wouldn’t be covered by your contractor’s insurance policy. The level of risk you’ll be covered for will depend on the level of cover you choose.

Also referred to as self-build extension insurance in some instances, it allows you to have complete peace of mind knowing that you’ll be covered for unforeseen costs that come from these risks.

What does home extension insurance cover?

Home extension insurance protects your property, all the new works taking place and any people on site – from start to finish. Be wary that many standard home insurers won’t cover the property in question during extension works. Renovation and extension insurance plugs this gap, giving you comprehensive cover while your project is underway.

Rear, side or front extension

Whether you’re extending the back, side or front of your property, it’s likely your home insurer won’t cover the structural works involved. That’s where Renovation Plan comes in, with building extension 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 this covers everything from the existing structure to all new works, plus any fixtures and fittings once they’re delivered to the site.

Flat roof extension insurance is something else you may need to consider, depending on what your project involves.

Basement extensions

If you’re planning a basement extension, you’ll require specialist cover. Our range of home extension insurance policies can protect you for all works involving underpinning and piling, with the additional benefit of covering neighbouring semi-detached or terraced properties too.

Why do I need building extension insurance?

While planning an extension is exciting, we know that even the best-laid plans can sometimes go wrong. Whether you’re rolling up your sleeves and opting for a self-build extension or employing contractors to do the work for you, there are countless risks involved that you should consider. These can include stolen equipment and on-site injuries.

All extension projects involve a degree of structural work, which means your standard home insurer is unlikely to cover you. This is also true for your builder’s insurance, which is designed to protect them and not you. Not having the correct building extension insurance policy in place will leave your property vulnerable throughout the entire building works.

That’s why we’re here. Our trusted renovation and extension insurance effectively replaces your home insurance for the duration of your project, keeping both your extension and the rest of your property protected under one straightforward policy.

Your choice of cover level

We offer two levels of building extension insurance cover to suit your needs:

• Premier – providing a wider range of cover, suitable for small to medium-sized projects
• Premier Plus – covering ‘All Risks’ and best for larger, more complex renovation projects.

Find out how each level of cover compares.

How do I get building extension insurance?

We understand that every project is unique, which means that the extension insurance cost will be provided on a case-by-case basis. Simply speak with our approachable team to get started.

Before we can offer you a tailored quote, we 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

Why choose building extension insurance from Renovation Plan?

With almost two decades of experience as renovation and extension insurance brokers, we’re well-placed to match you up with a policy that works for you. For more information, check out our reviews on Feefo from past customers.

Our policies range from 3-36 months and we can even provide insurance if work on your extension has already started. Plus, if you don’t make a claim and finish ahead of schedule, we’ll refund the time left on your policy (subject to a £25 cancellation fee).

To get in touch with our friendly team, send us an email at info@renovationplan.co.uk or give us a call on 01621 784840.