What is home renovation insurance?
Home renovation insurance is a special type of cover that ensures your property remains insured while it undergoes building work. Whether you’re undertaking structural work such as underpinning a property with subsidence, building a loft or garage extension or conversion to add more space, or redesigning a room in your home, our home renovation insurance has you covered.
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Does regular home insurance cover renovations?
Most home insurance policies don’t cover renovations, especially if the building work being undertaken is extensive and will take weeks or months to complete. This is because:
- Builders coming in and out of your property can increase the risk of thefts as some windows and doors could be left open for longer periods than usual.
- If you’re leaving your home unoccupied while it’s undergoing renovations, this can also increase the risk of theft.
- Should your property be damaged while the building work is taking place, your standard home insurance policy might not cover the claim unless renovation insurance is included on your policy.
Do I need a special type of home insurance when renovating my property?
When carrying out renovations, whether it’s a loft conversion, extension, or major refurbishment, it’s vital to make sure your home insurance reflects the extra risks involved. Standard home policies may not cover you once works begin, which could leave your property and contents exposed if something goes wrong.
That’s where Adrian Flux can help. We specialise in protecting the existing property and contents during renovation – the things you really need to insure. Unlike some providers, we don’t try to sell you unnecessary builder’s insurance. After all, your contractor should already have their own insurance for the works, tools, and liability.
Our renovation home insurance gives you peace of mind that your home remains protected while improvements are being made. The cover is focused on safeguarding your home itself and what’s inside, rather than the building works or materials being used.
Typically, this can include:
- Protection for the existing structure of your home against insured risks such as fire, flood, or storm damage.
- Cover for your existing contents during the period of renovation.
- Adjustments to reflect periods when the home may be unoccupied for more than 30 days due to the works.
- Continuation of your liability cover as a property owner.
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What does home renovation insurance cover?
A good comprehensive home renovation insurance policy will protect the existing structure of your property, along with fixtures and fittings. It will also provide public liability cover to the property owner.
Policies can differ, but most will cover:
- Damage to the structure of the property
- Damage to the contents of your home, including through fire and flood
- Unoccupied property insurance if you are unable to stay in your home for more than 30 days
- Alternative accommodation if you can’t live in your home due to an insured event
Extra Benefits
Travel Insurance
Flexible Travel Insurance
Whether you’re lounging on the beach or hitting the slopes, having the right travel insurance can mean the difference between the holiday of a lifetime and a financial headache.
Providing up to £5,000 if your trip is cancelled or cut short, up to £15million medical expenses, £250 money and document cover, £2,000 baggage cover, and £2million personal liability insurance, you’ll be fully covered, no matter what happens.
Click find out more to get more information, or speak to a member of our team today to get your quote.
Gadget Insurance
Gadget Insurance
Is there anything more annoying than your mobile phone breaking, or your laptop deciding not to turn on?
Gadgets have virtually become an extra limb in the 21st century, so why wouldn’t you protect your mobile phone, laptop, games console or tablet in the same way you would protect your home or car?
For as little as 49.99 per year, you can have peace of mind that your gadgets are insured, should they be damaged, suffer a mechanical failure or stolen, wherever you are in the world and are covered up to £1,500 per claim without affecting your home insurance no claims bonus. Whatsmore there are no limits on the amount of gadgets on your policy.
Adrian Flux specialists have access to a national network of companies so you can be confident of getting a fast and efficient service, should the worst happen to your gadgets.
Home Emergency Cover
Home Emergency Cover
From leaking pipes to blocked drains, electrical failures to boiler breakdowns, if emergency strikes, having the right insurance can save you time, headaches, and money.
With home emergency insurance from Adrian Flux, you can get your home covered for a wide variety of issues, with tailored cover and flexible payment options, keeping you safe year-round without breaking the bank.
To find out more about our home emergency cover, and all of our home insurance policies, speak to a member of our team today.
Home Keycare
Home Keycare
For just 19.00 a year, we can cover the costs involved with getting back inside your house, whether your keys have been stolen, locked inside your home or vehicle, or lost for 48 hours. We provide you with a fob and can cover all the keys attached to it, including those for your home, car and office.
Our keycare insurance covers the cost of replacing your keys, changing the locks, and hiring a locksmith up to a value of £1,500 per fob per year.
Better yet, there’s no excess to pay; all you have to pay is the annual charge of 19.00.
For more information and to add keycare to your policy, speak to a member of our team today.
Home Legal Protection
Home Legal Protection Insurance
There are 50,000 reasons why home legal protection cover, or family legal protection, is a smart idea.
Home legal protection cover provides peace of mind against the threat of being sued and, in the event that you have to pursue a civil claim, it will provide cover for your legal expenses, up to a certain amount.
Home legal protection provides up to £50,000 indemnity for you and the people that matter to you: the family you live with, your spouse or partner, your parents or parents-in-law, and your children under the age of 21.
There are four main areas of cover: Personal Injury, Your Home, Services & Personal Property and Employment.
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Can I get unoccupied home renovation insurance?
Yes, we offer cover for unoccupied properties, including those that will be left empty while undergoing renovations. If your home is left unoccupied for more than 30 days, most standard policies won’t cover you. Our unoccupied home renovation insurance can be taken out for the duration of time your home will be left unoccupied, ensuring you’re covered for the increased risks that come with leaving your house empty.
Why choose Adrian Flux for home renovation insurance?
As a specialist insurance broker, we’re able to compare quotes from over [[ FLUX_INSURERS ]] insurers to find you the right cover for your needs and budget. We offer a range of optional extras, ensuring your policy is tailored to your unique circumstances.
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What kinds of renovations do I need to tell my insurance provider about?
You should let us know about any changes you make to your property, including those that affect the structure of your house or its value as well as cosmetic changes. This is because the renovation costs affect your insurance policy more than the type of renovation work being carried out.
What happens to my policy once the renovations are complete?
Once the changes are complete, it’s important that you let your insurance provider know. This is to ensure that your current home insurance policy covers any changes you have made, especially if the changes have increased the value of your home.
Will renovations increase the cost of my home insurance?
This depends on the type of renovation you’ve completed.
If the changes you’ve made to your property are extensive and have added value to your property, such as a loft or garage extension, this could increase your premium as the costs involved with rebuilding your home will increase.
