Are Renovations or Extensions to my home covered?

Cosmetic Renovations

Cosmetic renovations with no structural changes to your house are covered and you don’t need to disclose this.

Examples of cosmetic renovations include re-painting, installing new carpet or replacing a toilet. If you’re unsure if your works are cosmetic, please send us an email to [email protected] with full details of the works.

Structural Changes

If your renovation involves any kind of structural alterations to the property, construction related losses will not be covered by your standard house insurance policy.

A Contract Works policy is required to insure the work and your home for construction related losses. This might include losses following water leaking in through exposed cladding or structural damage caused by the work itself.

For our guide on when Contract Works cover is required, see here.

Examples of structural changes include re-roofing, removing a load-bearing wall or an extension onto your home.

If you are doing structural changes or are unsure if your work is structural, please email [email protected] with full details of the works.