If your dream renovations turn into a real nightmare, we’ll come to the rescue

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For many property owners, renovations are an exciting part of life. From extending your kitchen to converting the loft, improving a home helps it hold value and improves your quality of life. But when you’re making major changes to a building you’ve invested in, you need to make sure you’re protected if anything goes wrong.

At Renovation Plan, we understand the range of problems that can derail renovations. From building materials being stolen, to leaks and flooding, to people getting injured in the course of the works, there are all sorts of risks you should consider before you get going. And with standard home insurance rarely covering renovations, that’s when you need specialist cover.

We’ve been honing our renovation insurance policies for nearly 20 years and we’ve got all the options you need to keep your project protected.

What our renovation insurance policy covers

Internal renovations

We recognise the money and time you spend finding the right fixtures and fittings for internal renovations, like new kitchens, bathrooms and tiles. So, unlike standard buildings insurance, we cover all your fittings and fixtures as soon as they’re delivered, as standard.

Structural renovations

Any kind of structural work needs to be covered with the right insurance. Not only will renovation insurance protect the new building and your existing structure throughout the works, it can also protect your neighbouring properties too.

Major renovations

If works such as piling, basement excavations or demolition are involved, then it’s probable you’ll need to move out of the property for a short while, leaving it unoccupied. With this situation unlikely to be catered for by standard buildings insurers, we cover it for you instead.

What projects need renovation insurance?

There’s a simple rule to remember – if you’re doing structural work but it’s not a self or new-build project, then it’s likely that you’ll need renovation insurance. This includes:

  • Conversions, such as barns, basements, and lofts
  • Extensions
  • Internal home renovations
  • Most work done in a property that already exists

Why renovation insurance is so important

Often, people don’t realise they need renovation insurance until something has already gone wrong simply because they believe their home or their builder’s insurance will cover any accidents. But this isn’t always the case, as we know from experience.

With so many different types of renovations out there, you can face a range of problems in the course of your project, setting you back to the start. Our renovation insurance is specifically designed to protect you, the property owner, from these risks.

It provides the peace of mind that if something does go wrong, you won’t have to foot the bill for any repairs or damages, whether that’s your carefully-sourced materials going missing or your kitchen extension cracking next door’s wall. It can also help to avoid claim disputes if you’re employing lots of different contractors with their own separate policies.

We understand that every project is unique, so our cover is built to cater for different levels of risk – letting you get started on your project safe in the knowledge you’ve got the right protection.

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, including the rebuild cost


Ready to get cover?


Q: I thought my builder was covering the works?

A: It’s easy to assume that your builder’s insurance will cover the works but unfortunately this isn’t always the case. We make it a condition that any builder you choose must have at least £2m Public Liability Insurance in place – but this still only covers claims caused by their own mistakes. However, there are still events where you as the property owner could be liable, for example if your neighbour’s property gets damaged during your works. So it’s really important to protect yourself with your own renovation insurance.

Q: I am carrying out the works myself. Is this OK?

A: Yes, absolutely. We don’t ask you to appoint a builder to carry out your renovation works unless you need major ground works doing, such as basement excavations, underpinning, piling etc. If you want to carry out the works yourself, we always recommend our Premier Plus policy, which includes cover for Accidental Damage.

Q: I am only carrying out cosmetic works, do I still need specialist renovation insurance cover?

A: There is no project too small for our renovation insurance policy. However, we recommend that you speak with your existing insurer before talking to us as they may be able to continue cover for minimal works – just remember to check any terms or restrictions that might be applied if this is the case.

Our 3 levels of cover

Useful guides

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