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 Building Renovation 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 Home 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 and Standard Home Renovation Insurance options, 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 accordingly.

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 policy 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 don’t need to appoint a builder unless you need major groundwork doing. If you’re doing the work yourself, we always suggest our Premier Plus policy as this includes cover for accidental damage.

You’ll need to consider Home Renovation Insurance if you want financial protection for your cosmetic renovation, and your home insurance policy doesn’t cover you.

While some home insurance policies may cover DIY and decoration, others might not – or the level of cover may not be sufficient. It’s best to speak with your insurer to confirm exactly what’s included.

You may need specialist Renovation Cover to fill any gaps and make sure you’re financially protected. There’s no project too small for our Building Renovation Insurance.

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 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 best Home Renovation Insurance.

No. Your home insurance policy won’t normally cover renovation work. Although some home insurers might cover elements of smaller redecoration projects, standard home insurance during renovation often falls short.

So, if you’re embarking on a renovation project at your property and want to stay covered, then you’ll likely need Renovation Insurance for homeowners.

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 House Renovation Insurance.