Renovation Insurance

Rescuing dream renovations with the right building renovation insurance.

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Why is renovation insurance so important?

Property renovations are exciting. From extending your kitchen to converting the loft, improving a home enhances your quality of life and can even add to its value. However, when you’re making major changes to your home, you need renovation insurance – and that’s where we come in.

People often don’t realise they need house renovation insurance until it’s too late. Many believe that builder’s insurance will cover any accidents, which often isn’t the case. And with standard home insurance rarely covering costs, you need specialist building renovation insurance.

We understand the problems that can derail renovations. Whether that involves floods, theft or injury, there’s a lot to consider. With us, you can get started with confidence that you’ve got the right protection.

What projects need renovation insurance?

If you’re doing structural work that’s not a self- or new-build project, you’ll likely need home or commercial renovation insurance. This includes:

  • Conversions, such as barns, basements and lofts
  • Extensions
  • Internal home renovations

What our renovation insurance policy covers

Understanding exactly what level of house or building renovation insurance cover you need is key. Make sure you consider all the potential risks that might crop up in your upcoming project.

Internal renovations

Internal renovations are interior changes that don’t involve extending the building. They can include switching up your doors or replacing an entire kitchen. Finding the right fixtures and fittings costs time and money. Unlike standard buildings insurance, our home renovation insurance covers 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, giving you an incentive the secure the right level of cover.

Structural renovations

Examples of structural changes include removing internal walls, replacing windows or having 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.

You’ll likely be working with 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

If you’re piling, doing basement excavations or demolition work, you might need to move out of the property for a short while. An unoccupied building might not get cover from standard buildings insurers; come to us and we’ll provide home insurance during renovations instead.

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.

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.

You can see how each level of cover compares to ensure you make the most suitable selection.

Why choose Renovation Plan for your building renovation insurance?

We have 20 years of experience as renovation insurance brokers to our name. We’re well-placed to support you on your renovation insurance cover journey. Many of our customers have given us a five-star rating on Feefo. We put customer service at the forefront to ensure we’re one of the best home renovation insurance providers on the market.

Need more information? Speak to our friendly team by dropping us an email at or calling 01621 784840.

What we need to know to get you covered

Before we offer a quote for renovation insurance, we want to get to know you and your project. We just need the following details to help us find the right cover for you:

  • Your project start date
  • Details of the renovation work
  • How long the works are expected to take
  • The overall costs
  • Details regarding the existing structure, including the rebuild cost


Ready to get renovation insurance?

Home renovation insurance FAQs

Do I need renovation insurance?

Having home renovation insurance in place means you could save a lot of money in the long run.

Builder’s insurance doesn’t tend to cover the type of incidents that could arise during a renovation, which is why it’s so important to cover any gaps. Large projects involve many different contractors, so having the right building renovation insurance in place can help avoid claim disputes and reduce any stress.

Does builder's' insurance cover my renovation?

Unfortunately, builder’s insurance doesn’t always cover the 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 will fall on you – so it’s important to protect yourself with the best home renovation insurance.

Is it OK to carry out the main renovations myself?

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 recommend our Premier Plus renovation insurance policy as this includes cover for accidental damage.

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

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 and check any terms or restrictions that might be applicable. You’re likely to find that additional insurance for when a house is being renovated covers any gaps.

Does homeowner's insurance cover renovation?

While standard home insurance policies tend to cover issues that occur during smaller redecoration projects, they won’t extend to what could happen during a fully fledged building renovation. Feeling overwhelmed? Don’t panic. Our expert team will help you choose the right renovation insurance.

What does renovation insurance cover?

If you’re looking for insurance for a property being renovated, it’s important to get to grips with what it is you’re looking for so that all relevant risks are covered in your policy.

Depending on the level of cover you go for, your house renovation insurance might cover risks that arise during internal, structural or major renovations.

When looking for the best home renovation insurance for your upcoming project, take the time to think of all the possible eventualities you want to include in your policy. Our flexible cover options mean you can choose the ideal home renovation insurance for your project.

Is restoration cover included in renovation insurance 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 policy details.

Our 3 levels of cover

Ready to get cover?

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