What houses CAN'T initio cover?
We cannot provide cover to houses that are undertaking Structural Renovations or require a building consent for works. You’ll most likely need a separate contract works insurance policy for this type of property.
Renovation examples we can’t cover
× Adding an additional room to the property
× Removing a load bearing wall
× Where a building consent is required
We cannot cover buildings that are not self contained (necessities of day to day living such as cooking, sleeping, ablutions) or buildings that are not intended by the owner to be a home (primary purpose is to serve as a domestic residence).
If you need contract works insurance, we’ve partnered with Builtin to offer you a suitable solution. Like initio, BuiltIn are underwritten by IAG so this means that you will have the same ultimate underwriter for the house and contract works risk, which is important.