Home Extension Insurance

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Building reassurance into your building extension

Adding an extension can completely transform your living space, creating extra room, boosting property value, and breathing new life into your home.

At Self-Build Zone, we understand that it’s both a financial and emotional investment. Our home extension insurance provides complete protection for your build, ensuring your project runs smoothly and safely from start to finish.

What is house extension insurance?

House extension insurance (sometimes called extension insurance) is designed to cover both your existing home and your new building works during the extension process.

With Self-Build Zone’s cover, you’re protected against damage to:

  • Your existing property structure
  • The new extension build
  • Materials, plant, and equipment used in the works

This protection goes beyond what’s offered by a builder’s insurance policy or standard home insurance while renovating, especially for self-managed or self-build projects. We can also include cover in your site insurance policy for tools and equipment insurance, and even a site caravan if you’re living on-site during the works.

Two-story house under construction with scaffolding, brickwork, and ladder—ideal for House Extension Insurance needs.

How home extension insurance keeps your project protected

Standard home insurance while building an extension often excludes damage caused by renovation or structural work. Our dedicated extension insurance fills these gaps, covering a wide range of risks during your build.

Employers’ and public liability insurance – Included as standard to protect anyone working on-site, including friends and family.
Cover for unoccupied homes – Most insurers exclude this, but we’ll cover your home before and during works.
Flexible policy lengths – From 3 to 24 months, with the option to renew if your project takes longer than expected.
Contract templates – Affordable, unlimited-use contracts designed to reduce disputes between trades.
Call the Self-Build Zone Team
0345 230 9874
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Why your builder’s insurance isn’t enough

Many homeowners assume their builder’s policy covers everything — but that’s rarely the case. Most contractors only hold public liability insurance, which only applies when they’re on-site.

Person draws architectural plans on a large sheet of paper with a ruler on a wooden desk.

Our home extension insurance gives you 24/7 protection against common risks, including:

  • Fire or storm damage
  • Burst pipes or flooding
  • Theft or vandalism of materials or tools
  • Negligence by contractors
  • Structural damage caused during works

Typical home insurance while building an extension may not cover:

  • Alterations to the structure of your property
  • Projects worth over £25,000
  • Weather-related damage to exposed areas
  • Theft of equipment or materials

That’s why it’s essential to inform your current home insurer before work begins, and why specialist house extension insurance from Self-Build Zone offers essential additional cover when standard policies fall short.

A construction worker in orange clothing lays bricks at a self build site with insurance coverage.
Three construction workers in safety gear stand on a steel beam; house extension insurance ensures their safety.

Do you need a structural warranty for an extension?

Yes, even smaller home extensions can develop hidden defects that may only appear years later. A structural warranty protects you from the cost of repairing or rebuilding after such issues arise.

Our 10-year structural warranty is:

  • Lender-approved – required by mortgage providers if you sell in future.
  • Comprehensive – covering latent structural defects in your new extension.
  • Flexible – available alongside or separately from your extension insurance.

Why choose Self-Build Zone for home extension insurance?

Over 20 years of experience in self-build and renovation insurance
UK’s leading provider of specialist home insurance for building extensions
Flexible policies and optional extras tailored to your project
Expert advice from a knowledgeable, friendly team

Protect your conversion from day one.

Get a tailored quote for building conversion insurance today with Self-Build Zone, and enjoy total reassurance as you bring your vision to life.

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