Building Restoration Insurance

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What is restoration insurance?

You’ll need to think about restoration insurance if you plan to restore a property – but what does this involve and how do you know whether it applies to you? Restoring a property means giving a new lease of life to an old building, while creating an individual home that’s full of character.

When might you need restoration insurance?

There’s a fine line between restoration and conversion projects, but the focus of the former is to work with the original features to restore it as closely as possible to how it was previously. If you plan to restore a property, you’ll want to look into restoration .

The types of properties you can restore include listed or derelict buildings and, as a rule, there are two main types of restoration:

  1. Restoring an existing structure This is when you restore an existing structure and turn it into a home. This could be, changing an old building like a chapel or a pub into a residence while keeping as many original features as you can.
  2. Restoring an old home – When you restore an old home that’s fallen into disrepair back into its original state.

The good news is that we can cover you for both. If you’re making changes to a building or property and are looking for restoration insurance, get in touch today.

What buildings do we offer restoration insurance cover for?

Whatever you need restoration insurance for, from ruined old houses to derelict churches, we can cover it.

We know that every restoration comes with its own challenges, so we offer three levels of cover depending on your needs, ranging from limited perils for small projects to all risks covered for large-scale restorations.

Insurance for an internal restoration

Are you restoring the inside of a property? We’ll cover your fixtures and fittings as soon as they arrive. This means, unlike standard insurance, they’ll still be protected before they’re fitted and functioning. Our restoration insurance cover is there to make life that little bit easier for you.

Insurance for a major restoration

If you’re taking on the restoration of a whole building, you’ll be in for a lot of work. Whether you’re restoring it to live in, sell or rent out, you’ll need to keep yourself covered from the start to the end of the policy – we can make sure you’re protected from risk while taking on the challenge.

Insurance for completing your own restoration

Anyone doing the restoration work themselves, may benefit from restoration insurance cover that includes accidental damage. Our Premier Plus policy offers this, ensuring you’re covered as you do the works. This is our most extensive policy, covering “All Risks” for any damage or loss that occurs to the existing structure and any contract works, lasting between 3-36 months. The only thing we ask is that you use a specialist contractor for any major groundworks, such as piling or underpinning.

Why do you need restoration insurance?

There are many beautiful and unique buildings that have fallen into disrepair, and a restoration project offers the potential to revive a property with real character. But when you’re trying to work within an existing structure, including restoring or recreating period features, this can be both challenging and expensive.

Many derelict buildings may have hidden structural issues that could pose risks to personal safety. You might also have to track down specific building materials that would cost you a lot if stolen.

We understand these challenges. You might experience stolen materials or people might become injured onsite. Either way, restoration insurance will help keep you covered through your whole project, giving you a level of protection that standard buildings insurance won’t. It can also cover unforeseen risks, such as flooding or fire, so you can get back to work quickly and easily, if something does happen to derail your project.

What we need to know to get you covered for restoration insurance

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

Why choose Renovation Plan for your restoration insurance?

With over a decade of experience under our belts, we’re equipped to advise you on your situation, no matter how niche it may seem. Our variety of cover levels range from short-term to long-term packages, offering flexibility when it comes to choosing a plan that fits your circumstances.

Need more reassurance? Check out our reviews to learn how previous customers have benefited from working with us. Remember, you can always speak to our friendly team if you have any burning questions. Call us on 01621 784840 or send us an email.

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Isn’t my builder insuring my works?

Not necessarily The contractor may have tradesman insurance, which provides cover for a set project value. This would cover any new works they do at your property but may not be covering your existing structure as they have no financial interest in your property.

I’m only installing a new bathroom, kitchen, or utility area in my property. Will my household insurance continue the cover?

Your home insurer may continue to cover you during the period of internal works, but they will probably apply a ‘Works Exclusion’ clause that could result in a claim not being paid should the damage result from the works. Also, the fixtures & fittings will not be covered by your home insurance until installed.

What counts as a larger or complex renovation project?

Anything involving a larger amount of risk would fall under this category. Commercial developments or basement projects would be good examples of this too, as well as any project involving large-scale demolition. This is why our extensive Premier Plus Policy is a good option in these circumstances.

Our 3 levels of cover

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