Tell us a bit about yourself and your company, and someone from our team will be in touch within 24 hours.
Undertaking building work on your home, whether it’s an extension, renovation, or a full-scale refurbishment, is an exciting step in improving your property. However, it’s also a time when your home is more vulnerable to unexpected risks and accidents. Standard home insurance often won’t cover damage, theft, or liability during a construction project. That’s why house insurance for building works is so important for UK homeowners. It offers tailored protection throughout the building process, giving you peace of mind and financial security while your home is being transformed.
House insurance for building works is a specialised form of cover that protects your home during construction or renovation. It ensures that your property and the building materials on-site are covered against risks such as fire, theft, flooding, or accidental damage that could occur during the project. In addition, it typically provides liability protection, meaning you’re covered if someone is injured on your property during the works or if damage is caused to a neighbouring property.
This insurance bridges the gap where your standard home insurance policy leaves off, ensuring that your home remains protected during a period when it’s particularly vulnerable to various risks.
1. Your Standard Home Insurance May Not Cover Building Works Many homeowners assume their regular home insurance will cover any incidents that happen during construction, but this is often not the case. Standard home insurance policies may become invalid or severely limited as soon as building work begins, especially if the project involves structural changes or leaves the home uninhabitable for a period of time. Without the right cover, you could be left exposed to financial losses if something goes wrong.
2. Protection Against Damage Construction work can expose your home to various forms of damage, from accidental breakage of pipes or walls to more severe events like fire or flooding. House insurance for building works covers the cost of repairing damage caused during the building process, which can otherwise lead to significant financial strain. Whether it’s damage to your existing structure or new work that’s yet to be completed, this type of insurance ensures you’re not left out of pocket.
3. Theft of Materials and Equipment Building sites, even those at private homes, are common targets for theft. Expensive tools, machinery, and building materials like copper pipes or timber can easily be stolen, leading to costly delays in your project. House insurance for building works covers the theft of these materials and tools, helping to keep your project on schedule and within budget.
4. Liability Protection Construction projects often involve multiple contractors, tradespeople, and even friends or family helping out. There’s always the risk of someone being injured on-site, or of damage being caused to neighbouring properties. Without insurance, you could be liable for legal costs and compensation if someone makes a claim against you. House insurance for building works includes public liability cover, ensuring you’re protected against claims for injuries or damage caused during the works.
• Comprehensive Protection: With this insurance in place, you can rest assured that both your existing property and any new works are covered for unexpected events, including damage, theft, and liability claims. This protection means you won’t face financial hardship from incidents during the project.
• Avoid Project Delays: Theft or damage to building materials and tools can slow your project down significantly. Insurance ensures you can quickly recover from these setbacks by covering the costs of replacements, helping your build stay on track.
• Meet Contractor Requirements: Many professional builders and contractors require proof of insurance before starting work on your property. Having house insurance for building works in place ensures you meet these requirements, avoiding any delays or legal issues that could arise.
• Peace of Mind: Perhaps the biggest benefit of house insurance for building works is the peace of mind it provides. Knowing that your home is protected against a wide range of risks allows you to focus on the excitement of improving your property, without worrying about potential financial disasters.
At Compariqo, we understand the risks and complexities involved in building or renovating your home. Our expert team can help you find the right house insurance for building works that provides full protection for your project, tailored to your specific needs. Contact us today to learn more about how we can safeguard your investment and ensure your building project runs smoothly from start to finish.
THROUGHOUT THE UK WE OFFER CONSTRUCTION INSURANCE FOR BUSINESSES AND INDIVIDUALS TO PROTECT THEIR PROPERTIES. PROTECT YOUR PROJECT WITH YOUR OWN HOUSE INSURANCE FOR BUILDING WORKS CONSULTANCY: