We can insure your home or property while you undertake renovation or building works, ensuring it is protected against a wide range of risks, and also providing cover while it is unoccupied.

Improving your home enhances your quality of life and renovation can be exciting, but it’s essential to make sure you are fully insured while the work is being done, and this is where we can help.

To ensure you are correctly insured during the works, you must discuss your insurance requirements with your insurance broker and contractor, project manager or architect when in the planning phase.

If a formal contract is being signed, such as a JCT (Joint Contracts Tribunal) it is important to note the insurance clauses agreed as this defines who is responsible for procuring which types of insurance coverage, such as the existing building and the building works.

Often it is a requirement that during the works the insurance is arranged in joint names between the owner and contractor.

We have many years’ experience arranging cover for our high net worth clients who are renovating, extending or carrying out building works on their home or other property, and can provide you with bespoke cover to meet your individual needs.

Depending on your requirements, we can provide cover for the building, including outbuildings, walls and garages; contents, including all the usual perils, such as escape of water; and contract works, including materials, fixture and fitting used in the works.

This ensures that if anything unexpected occurs while you are carrying out the work, such as a collapsed wall, serious fire or theft, leaks or floods, or injury to those at the property, your renovation insurance would cover the costs incurred.

Talk to us about your renovation project or building works and we’ll ensure you are adequately insured with the appropriate level of cover, protecting your project against all insurable risks.