Insuring a High-Value Home During Renovation or Extension
Quick answer
Major renovation work usually needs to be disclosed to your home insurer before it starts, because builders on site, open structures and empty periods change the risk. Some policies restrict cover during works, and contractors should hold their own insurance. A broker can explain the options for your project.
General information only. High Value Home Quote is an FCA-registered insurance introducer (lead generation), not a broker or insurer. We do not give advice or prices. An FCA-regulated specialist broker can advise on your own circumstances.
Why Works Change The Risk
- Scaffolding can make break-ins easier
- Hot works and temporary electrics increase fire risk
- Roof and wall openings expose the home to weather
- The property may be unoccupied for periods
What To Prepare
- A description of the works, value and timescales
- Contractor details and their insurance documents
- Whether you will live in the property during works
After The Work
Extensions, basements and high-specification fit-outs usually increase rebuild costs and contents values. See rebuild cost explained. We can introduce you to a specialist broker free of charge.
Frequently asked questions
Do I need to tell my insurer about building work?
Most policies require you to disclose significant works. Not doing so may affect a claim. Check your wording or ask a broker.
Will my contractor's insurance cover my home?
Contractors usually have their own liability and contract works cover, but it may not cover everything. Ask to see their insurance documents.
Should I update my rebuild cost after works?
Extensions and upgrades usually increase the rebuild cost, so the sum insured may need reviewing once works finish.
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