Home insurance for renovations and building works
When it comes to finding low-cost renovation insurance, you might struggle. Many standard insurers view properties undergoing extensive building work or renovations as ‘high risk’ and therefore raise their premiums. At Quoteline Direct, we tailor our approach to suit your needs helping you to find the most affordable renovation insurance cover possible without compromising quality.
Do I Really Need Renovation Insurance?
Many home insurance policies do not cover building and renovation work including extensions. For this reason, it’s really important to take out specialist renovation insurance that not only protects your property and assets but also protects you against the various risks involved, with public liability cover often being a top consideration.
Policies vary, but our job is to find a quote that best suits your requirements.
What Are The Risks of Home Renovation?
While revamping your property might be an exciting (if not slightly stressful) time, it’s not without risks.
- Structural damage
When you knock down walls or rip up floors, structural damage to your home may occur. Renovation insurance helps to protect against unforeseen incidences that could potentially put you out of pocket.
- Water damage
Imagine if a water pipe bursts. This can cause serious damage as can other incidences such as an electrical fire. Again, the right insurance policy will give you peace of mind during the renovation process.
- Risk of theft
Building materials left outside a property can attract opportunist criminals. What’s more, if your tradesmen aren’t security conscious, spare keys may go missing and doors may be left accidentally unlocked threatening the security of your home. Scaffolding can also provide easier access to upstairs windows.
- Accident and injury
If your property resembles a building site, there’s a higher risk of accident and injury to the public, which is why specialist insurance is so essential.
Why Quoteline Direct?
At Quoteline Direct, we tap into our network of leading specialist renovation insurance companies in order to provide cover that meets your specific needs. We know that renovation work is expensive, which is why we try to keep our renovation insurance quotes as low as possible to help you budget. We can even arrange cover for unoccupied properties should you want to escape the dust and rubble and relocate for a while.
Benefits of insuring through Quoteline Direct include:
- Access to a range of insurers who specialise in covering building and renovation works
- Competitively priced cover for all works, from kitchens and bathrooms to new designs
- All types of property considered, from flats and apartments to listed buildings and country houses
- Cover for unoccupied properties short-term (if the customers move out during that time)
- Great customer service from a company with an impressive track record
It’s also worth remembering that buildings works are likely to increase the value of your property and you may need to increase the level of insurance cover once the work has been completed.