1 December 2025

Renovation Project Insurance: What You Need to Know

By Self Build Zone
renovation project insurance

Renovating your home is an exciting opportunity to improve comfort, increase value, and transform the way you live.

Whether you are updating a kitchen, knocking through walls to create an open plan space, converting a garage, or giving your entire home a modern refresh, renovation projects come with risks that standard home insurance will not cover. Renovation project insurance is designed to fill this gap and protect your property, materials, and finances from the moment work begins.

Why Renovation Project Insurance Matters

Once construction starts, your home becomes far more vulnerable to damage. Stripped walls, exposed wiring, temporary roofing, and stored materials all increase the risk of fire, flooding, accidents, and theft. Standard home insurance policies usually exclude cover when major works are underway, which can leave you financially exposed if something goes wrong.

Renovation project insurance ensures that both your existing structure and the new works are properly protected. It covers a wide range of incidents, helping you avoid costly delays and unexpected expenses. 

What Renovation Project Insurance Covers

A dedicated renovation policy typically includes:

  1. Property and materials protection
    Covers the existing home and new works against fire, storm, flood, vandalism, and theft.
  2. Public liability cover
    Protects you if a neighbour, visitor, or member of the public is injured or their property is damaged as a result of your renovation.
  3. Employers’ liability (if you hire workers directly)
    A legal requirement that covers injuries to anyone you employ yourself during the project.
  4. Alternative accommodation
    Some policies help cover temporary housing costs if your home becomes uninhabitable during works.

Examples of Renovation Projects That Need Proper Insurance

Even small projects can benefit from proper protection. Renovation insurance is recommended for:

  • Kitchen refurbishments and layout changes
  • Bathroom upgrades with plumbing alterations
  • Loft conversions and attic remodels
  • Garage conversions into living spaces
  • Open plan transformations involving structural wall removal
  • Single or double-storey extensions
  • Full internal remodels or property modernisation

A specialist policy should always cover anything involving structural work, extended timelines, or significant changes.

Protecting Your Investment

Renovation project insurance gives you peace of mind that, if something goes wrong, you will not be left with large unexpected costs. It prevents disputes over liability, keeps your project on track, and ensures your renovation journey is as smooth and stress-free as possible.

Before you begin any home improvement work, speak to Self-Build Zone for tailored renovation insurance that supports you at every stage of your project.

 

understanding renovation insurance

Protecting Your Investment

Before you begin any home improvement work, speak to Self-Build Zone for tailored renovation insurance that supports you at every stage of your project.

Latest News