Building Extension Insurance Cover

If your home extension hits extensive problems, our insurance helps you out

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Extending a property not only gives you more living space, it’s likely to boost the value of your home too – whether it’s a bigger kitchen or an extra bedroom. And if you’re happy in your overall location but simply need more space, it makes financial sense to extend your property rather than look for a new one.

Extension work can take several months and it can be messy too, especially if you’re knocking down walls or underpinning foundations. So, whether it’s a self-build and you’re doing the work yourself or hiring in contractors, it’s  important to make sure you have the right  extension insurance to keep you protected throughout the work.

What does extension insurance cover?

This type of policy can protect the main property, all the new works and any people on site from start to finish. As many standard home insurers won’t cover a property during extension works, extension insurance plugs this gap – giving you continuous, comprehensive cover while your project is underway.

  • Rear, side or front extension

Whether you’re extending to the back, side, front or even planning a complete wrap-around extension, it’s likely your home insurer will not cover the structural works involved. So we cover it for you.

  • Extending up into the loft

While many loft conversions can be carried out without planning permission, again, your standard insurance is unlikely to cover the work. So our extension insurance does the job instead – covering the existing structure, all new works and any fixtures and fittings once they’re delivered to site.

  • Basement extensions

For this type of excavation work, you need specialist cover. If you’re planning a basement extension or works involving underpinning/piling, we not only insure you for this, but we can also cover neighbouring semi-detached or terraced properties too.

Why do you need extension insurance?

While planning an extension is an exciting time, we know that not even the best-laid plans always run smoothly. So whether you’re extending your home or a property you own, there are risks involved that you should take into account, from materials being stolen to someone getting injured on site.

All extension work involves a degree of structural work, which means your standard home insurer is unlikely to cover you. This is also true for your builders’ insurance, which is designed for their own risks and not for the property owner. Not having your own cover leaves your property vulnerable throughout the whole project.

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

Your choice of cover level

We offer three levels of cover to suit your needs:

  • Standard – offering essential protection against limited risks
  • 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.

Click here to see how each level of cover compares.  

What we need to know to get you covered

Every project is unique, so before we can offer you a 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


Ready to get cover?


Q: Will my builder be covering this work?

A: Your builder should have at least £2m Public Liability insurance to cover any damage they cause but if something happens that isn’t your builder’s fault, their insurance won’t cover it. This means risks such as fire, flood, escape of water, theft and impact are not covered under your builder’s insurance policy as their negligence cannot be proven.

Q: I have existing buildings insurance; will they not cover this new part of the property?

A: Once the extension is complete with all fixtures and fittings installed, and it’s been signed off by building regulations (if needed), then yes, your home insurer will cover the extension. But don’t forget that during the construction period your existing insurer will most likely apply a works exclusion to the policy, which leaves your home and your new extension at risk while the work is carried out.

Q: My extension will not be weatherproof/watertight for part of the build; will this be a problem?

A: Don’t worry, we understand that part way through a build an extension may not be completely weatherproof and watertight 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.

Our 3 levels of cover

Useful guides

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