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.