At Renovation Plan, we can cover renovation projects up to £20 million. So, whether you’re tackling a small-scale renovation yourself or coordinating a larger high-value property overhaul, we’re here to help.

Understanding exactly what level of Renovation Buildings Insurance you need is key to you choosing the right plan, and us accurately matching you with the best policy solution. We’re happy to , guide, and make sure you consider all the potential risks that might crop up in your upcoming project – so you take out the right type of cover.

Here are just some of the types of renovations we cover:

Internal renovations

Internal renovations are interior changes that don’t involve extending or demolishing your property. Whether that’s switching up your doors or replacing an entire kitchen, finding the right fixtures and fittings takes time and costs money. Unlike standard buildings insurance, our Property Renovation Insurance covers and protects these materials as soon as they’re delivered.

Although internal renovations might not feel as drastic as structural or major renovation projects, they can still cause you hassle. The possibility of accidents or even theft can make these projects tricky to navigate, which makes it all the more important to secure the right level of cover.

Structural renovations

Examples of structural changes include removing internal walls, replacing windows, or undertaking extensive roof repairs. All structural work must be covered with the right House Renovation Insurance. Doing so will protect the new building, existing structure, and neighbouring properties.

This is likely to involve multiple contractors. Having the right Building Renovation Insurance in place can help remove the stress of potential claim disputes from contractors with separate policies. It can also protect you if the structure of your property becomes compromised in the process.

Major renovations

This is the big stuff. If your contractors are piling, doing basement excavations, or demolition work that can be highly disruptive to day-to-day living, you may be better off moving out of the property until this stage of the project is completed. In this case, something to think about is that an unoccupied building may not get cover from standard buildings insurers. Come to us and we’ll provide Renovations Insurance that covers this period of time.

Our Premier Plus Policy is our most extensive insurance level. With added cover for accidental damage and subsidence on top of the features included in our Premier option, it’s a good choice for major projects.

Yes, you can usually live in your house while renovating. This is normally a matter of choice and depends on how extensive the work is.

Be sure to inform your insurer about whether the property will be occupied, so they can tailor your cover and make sure you have the right insurance during renovation works in place.

If a major incident renders your home uninhabitable during renovation works, we can also cover the cost of temporary accommodation if you choose our Premier Plus cover.

Yes, you can. If your project runs over, we can extend your House Renovation Insurance with an initial extension term starting from three months – so you have plenty of flexibility.

We understand that building projects can often run over their predicted timescales, so our flexible cover is designed to help with that.

Yes, you can insure an unoccupied property during renovation. In fact, it’s usually strongly suggested that you do this.

We understand the increased risk to tools being stolen and incidents such as floods occurring when a home isn’t being lived in – especially on a major renovation project. We’ll listen to your particular situation and guide you towards the most comprehensive cover arrangement to suit the property and project.

Yes, absolutely. You can carry out some work yourself, depending on the nature of the renovation. If you’re doing the work yourself, we always suggest our Premier Plus policy as this includes cover for accidental damage.

You may want to Property Renovation Insurance if you’re carrying out cosmetic works – particularly insurance for houses being renovated – and want financial protection. This is particularly important if your home insurance policy doesn’t cover you. While some home insurance policies include basic DIY or decoration, others might not – or the level of cover may be limited once work begins. It’s always worth checking with your insurer so you know exactly what’s included.

If your existing policy doesn’t provide enough protection, specialist insurance for renovations can help fill any gaps and keep your project covered. Even smaller cosmetic projects can benefit from the reassurance of dedicated cover.

Depending on your project, you’ll probably need separate Building Restoration Insurance. This would likely be the case if you were restoring a listed building.  Be sure to read the terms and conditions for each policy or enquire with our approachable team about what should be included in your home renovation insurance policy details.

Unfortunately, builder’s insurance doesn’t always cover renovation work. We make it mandatory for your chosen builder to have at least £2m Public Liability Insurance in place. However, this still only covers claims caused by their own mistakes.

There are still ways in which you’re liable for damage or injury. For example, if your neighbour’s property gets damaged during your work, the blame (and claim) will fall on you to settle – so it’s important to protect yourself with the right cover.

Yes, we suggest that before you start any renovations – even the small jobs – you let your home or buildings insurance provider know.

They can clarify what you are and aren’t covered for and you can then make an informed decision on getting specialist renovation insurance for homeowners, renters or commercial properties.

We give you a choice of flexible cover options to suit your needs and to consider a number of outcomes. From short to long-term projects, you can opt for cover between three and 36 months, and we can extend this if things run over. This flexibility is ideal if you’re comparing insurance for renovation projects where timescales can change.

Plus, if you finish the work before your policy ends, we’ll refund you for the time left.*

No two building projects run to the same timeline. What starts as a simple repaint may end up taking longer than expected, or a loft conversion could be completed in record time. That’s why we put the power in your hands.

*Subject to no claims and our £25 cancellation fee unless you take out further cover with us.

If your project is signed off earlier than expected, let us know and we’ll refund the time left*.

If your project is complete and has run to schedule, your policy will expire. Then you’ll go back to relying on your standard home insurance.

If your project runs over, you can get in touch before the project end date to extend your policy.

However, it’s important to get full signoff from everyone involved in the project, including contractors, so you’re fully satisfied that completion has been reached.

*Subject to no claims and our £25 cancellation fee unless you take out further cover with us.