Renovation Insurance for Properties Undergoing Building Works
Specialist insurance for home renovations, refurbishments, extensions and structural works — including cover for theft, liability, accidental damage and unoccupied properties.
✔ FCA Regulated Broker
✔ Multiple Insurer Panel
✔ Legal Expenses Cover
✔ Specialist Renovation Cover
⏱ Takes around 9 minutes
Specialist Renovation Insurance for Properties Undergoing Building Works
Renovating, refurbishing or extending a property can introduce additional risks that may not be covered under a standard home insurance policy. Renovation Insurance, also known as Undergoing Works Property Insurance, is designed for properties undergoing building work and can help protect your investment while construction, refurbishment or structural alterations are taking place.
At UK Sure, we can help you compare specialist Renovation Insurance options from a panel of insurers. Whether you are carrying out a renovation, refurbishment, extension or other structural work, suitable insurance can provide protection against risks associated with building works and the property itself.
Making structural changes to your property can alter the nature of the building and potentially affect the cost of rebuilding it. Depending on the extent of the work, your existing home insurance may no longer provide suitable cover, making it important to discuss planned works with your insurer before starting the project.
Renovation Insurance can also be relevant when a property is left unoccupied while work is being carried out. Once building works are complete, any new additions or alterations should also be reflected in your insurance arrangements to ensure the property is appropriately protected.
⏱ Takes around 9 minutes
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Properties & Building Works We Help Insure
At UK Sure, we provide specialist Renovation Insurance solutions for properties undergoing a range of building works. Whether you are refurbishing your home, making structural alterations, building an extension or undertaking a self-build project, we can help you explore suitable insurance options for the work being carried out.
Home Renovations
Renovation Insurance can help protect properties while renovation work is taking place. Structural alterations can introduce additional risks compared with a standard residential property, particularly when construction workers are carrying out work within the home.
Refurbishment Projects
Properties undergoing refurbishment may require specialist insurance while work is in progress. Renovation cover can help protect the property against risks associated with building works that may not be covered under a standard buildings insurance policy.
Property Extensions
Building an extension changes the structure of your property and can affect the information on which your existing home insurance is based. Specialist insurance can provide protection while extension work is being carried out.
Structural Alterations
Structural changes, such as adding a garage, installing an additional bathroom or creating a new window opening, can alter the property significantly. It is important to inform your insurer before carrying out structural alterations so that appropriate insurance arrangements can be considered.
Self-Build Projects
Self-Build Insurance may be relevant when constructing a new home from scratch or making additions such as an extension. Depending on the policy arranged, cover can include areas such as the construction site, equipment and plant, public liability and employers' liability.
Unoccupied Properties Undergoing Renovation
Properties may be left unoccupied while renovation work is taking place. Specialist Renovation Insurance can provide cover for unoccupied buildings undergoing renovations when the owners are not present, subject to the terms of the policy.
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What's Included
Renovation Insurance can be arranged to provide protection for certain risks associated with building works that may not be covered by a standard buildings insurance policy. Depending on the policy selected, cover can address the property, construction-related risks, liability and certain risks associated with an unoccupied building.
Protection Against Construction Damage
Renovation work can increase the risk of damage to areas of a property that are not directly undergoing renovation. Specialist undergoing works insurance can provide protection for these areas against construction-related damage, depending on the policy arranged.
Liability Cover
Building work involves people working within or around the property. Liability cover can help protect you if a construction worker is injured while carrying out work at your property, subject to the terms and conditions of the policy.
Structural Damage Cover
Structural damage cover can provide protection for the property as a whole while renovation or building works are being carried out, depending on the level of cover selected.
Deliberate Damage
Renovation Insurance can include protection against deliberate destruction caused by a worker, depending on the policy arranged.
Acts of God
Depending on the policy selected, cover can include protection against certain events described as acts of God.
Unoccupied Property Cover
Properties undergoing renovation may sometimes be left empty while work is taking place. Specialist cover can provide protection for unoccupied buildings undergoing renovations when the owners are not present, subject to the policy terms.
Site Insurance / Contract Works
For self-build and certain major building projects, Site Insurance or Contract Works cover can protect against risks associated with the construction process from start to finish, depending on the policy arranged.
Equipment & Plant Insurance
Equipment & Plant Insurance can cover tools, machinery and equipment, whether owned or rented, against risks such as fire and theft, depending on the policy selected.
Public Liability Insurance
Public Liability Insurance can provide protection against injury or damage to third parties in connection with the building project. This can include situations where someone, such as a child, accidentally enters the construction site.
Employers' Liability Insurance
Employers' Liability Insurance can protect against injuries sustained by people you employ, directly or indirectly, including subcontractors, subject to the terms and conditions of the policy.
How to Buy Renovation Insurance
Buying Renovation Insurance starts with understanding the type of work being carried out and the risks associated with your project. Before starting building work, it is important to discuss the planned alterations with your insurer and consider whether specialist undergoing works insurance is required.
01 Identify the Building Work
Consider the type of work being carried out, including renovations, refurbishment, extensions or structural alterations, and whether the property will remain occupied during the project.
02 Gather Your Property Information
Before requesting a quote, be prepared to provide information about your property and the planned building works. This can help insurers assess the risks associated with the project.
03 Request a Quote
Contact UK Sure to explore suitable Renovation Insurance options for your property and building project. We can help you compare specialist insurance options from our panel of insurers based on your requirements.
04 Choose Your Policy
Review the available options and select the policy that best reflects your property, the building works being undertaken and the level of protection required.
05 Receive Your Documents
Once your policy has been arranged, you will receive your insurance documents confirming your cover. Keep these documents available as evidence of your insurance arrangements throughout the project.
⏱ Takes around 9 minutes
Renovation Insurance for UK Properties Undergoing Building Works
Renovation Insurance is designed for properties undergoing renovation, refurbishment, extensions and structural building works. When construction work changes the structure or use of a property, existing home insurance may not provide appropriate protection for the project, making specialist insurance an important consideration.
At UK Sure, we help homeowners explore specialist Undergoing Works Property Insurance and related Self-Build Insurance options through a panel of insurers. Suitable cover can help protect the property and address risks associated with construction work, liability and unoccupied properties, depending on the policy selected.
Building Works Commonly Covered
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Home Renovations
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Property Refurbishments
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Property Extensions
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Structural Alterations
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Self-Build Projects
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Construction Works
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Unoccupied Properties Undergoing Renovation
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Garage Additions
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Additional Bathrooms
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Structural Window Alterations
UK Sure Authorised and regulated by the Financial Conduct Authority.
Our FCA Firm reference number is 923039.
Why choose UK Sure for your Undergoing Work Property Insurance?
Access to Multiple Insurers
We work with a panel of insurers experienced in renovation and undergoing works insurance. This helps us find suitable cover options for a wide range of projects, circumstances, and property types.
Specialist Renovation Cover
Renovation projects often fall outside standard home insurance policies. UK Sure can help arrange specialist cover designed for properties undergoing building works, refurbishments, extensions, structural alterations, and major renovation projects.
Cover for Unoccupied Properties
Many renovation projects leave properties vacant for extended periods. We can help arrange cover for unoccupied homes undergoing building works, providing protection where standard household insurance may be restricted.
Flexible Policy
Options
Every renovation project is different. Whether you are carrying out a refurbishment, extension, conversion, or structural alteration, UK Sure can help arrange cover tailored to your property's specific requirements.
Protection During Building Works
Building projects can increase the risk of accidental damage, theft, and liability claims. Specialist renovation insurance helps provide protection throughout the construction period while work is being completed.
● Frequently asked questions