Home Renovation Insurance
Safeguard your home, belongings, and investment during building works with specialist home renovation insurance. Whether you’re undertaking a full remodel, adding an extension, or making structural alterations, our underwriters provide tailored cover to
protect both your property and contents throughout the project. With flexible policies designed around your needs, you’ll have the confidence and peace of mind to carry out renovation projects of any scale.
Easy Process
Best Value
Personal Touch
Flexible Policy
What Our Home Renovation Insurance Covers
Home renovation insurance offers tailored protection for your property, valuables, and ongoing works, ensuring cover at every stage of the project
Project Protection During Renovations
Agreed value cover for specified items, giving you certainty and reassurance in the event of a claim while building works are underway. An ideal solution for homeowners looking for comprehensive insurance during renovation projects.
Combined Home & Contents Cover
Flexible renovation insurance designed for homeowners, providing protection for both the property structure and contents, whether kept on-site or stored elsewhere during the project.
Cover for New Additions
Protection for newly delivered materials, fixtures, and fittings, ensuring every addition to your home is safeguarded throughout the renovation.
Documentation & Claims Support
Dedicated claims assistance with prompt handling and support in gathering and verifying contractor and materials documentation, ensuring a smooth and efficient process.
Increased Cover for Valuables During Renovations
Home renovation insurance can include extended protection for high-value possessions while building work is underway. Jewellery, fine art, antiques, and other valuable items remain fully insured throughout the project, providing reassurance that your most valuable assets are safeguarded from start to finish.
Specialist Home Renovation Insurance Policy Design
Unlike standard insurers, specialist brokers can arrange home renovation policies designed for the unique risks of construction and refurbishment. From extensions and structural alterations to the restoration of listed buildings, cover is tailored to protect your property, materials, and possessions. Working with leading underwriters ensures a balance of comprehensive protection and cost efficiency, without unnecessary extras.
Trusted Home Renovation Insurance for UK Homeowners
Based in Mayfair, Chelsea Insurance Brokers arrange specialist renovation insurance for projects ranging from minor remodels to full structural works. Policies can be tailored to protect property, contents, and valuables at every stage of the build. Whether cover is required for building materials and fixtures or for high-value possessions such as jewellery, fine art, and collectibles, this FCA regulated approach provides complete peace of mind. Options include stand-alone contents cover or combined home and renovation policies, ensuring protection is precisely matched to each project and lifestyle.
Frequently Asked Questions
Can Contents Be Covered During Renovations?
Yes — contents insurance can be added to your home insurance during renovations, subject to certain conditions and limits. Please note:
Standard cover excludes fine art, jewellery, and items removed from the premises.
In some cases, your existing home insurer may offer more comprehensive contents cover, especially if your property is unoccupied during the works.
Do Home Renovation Insurance Policies Renew Automatically?
No — unlike standard home insurance or contractor’s insurance, our home renovation insurance policies are project-specific. They protect your home and renovation works for the duration of your project. If your policy is due to expire before the work is complete, we can arrange an extension to ensure continuous cover until the project finishes.
Is Defective Workmanship Covered?
Defects are considered a contractual matter between you and your contractor. Our renovation insurance for homeowners does not cover defective property itself, but it will cover sudden, unforeseen accidental damage to insured property that is otherwise defect-free.
For additional protection, our policy can extend cover to include certain design defects. Please speak to your broker for details.
What Insurance Should the Contractor Have?
Contractors typically should hold:
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Public Liability – Covers claims from third parties.
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Employer’s Liability – Covers employees (if they have any).
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Professional Indemnity – If they provide design services.
Is Accidental Damage Covered?
Yes — our home renovation insurance policies include cover for sudden, unforeseen accidental damage. This is one of the most common claims we receive during renovation projects.
Do You Guarantee the Work?
No — our policies do not guarantee a contractor’s workmanship, the quality of the work, or completion of the project.
How old should I be to get insurance?
Minimum age of a high value home and contents insurance policy would be 21.
We are happy to review your individual requests as well, feel free to contact us.
Do I Need Liability Insurance?
Yes — whether you are working with a main contractor or managing the project yourself, liability cover is essential.
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Property Owner’s Liability – Protects you from claims unrelated to the works or if you are jointly sued with a contractor.
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Project Public Liability & Employer’s Liability – Covers claims from works or site workers if you’re managing the project yourself.
How Are Claims Managed?
We make the claims process as straightforward as possible. Simply reach out to us — and you can even call your dedicated account manager — who will handle everything from the initial report to final resolution. We’ll liaise with insurers, keep you updated, and ensure your claim is processed quickly and efficiently, so you can focus on completing your home renovation with minimal disruption.
Not Sure Where to Start?
We Can Help
If you’re unsure how to arrange cover for your renovation, start by deciding what type of protection you need. With home renovation insurance, you can choose to cover the building works alone or combine it with protection for your contents.
Next, complete a short questionnaire so we can prepare an accurate home insurance during renovations quote. For larger or more complex projects, we may take up to 48 hours to confirm the most suitable terms, depending on the scale and scope of work.
If you’d like guidance, our team is here to help — simply contact us via email, live chat, or phone.
Ready to Proceed?
How to Buy Your Policy
Once you’re happy with your quote, purchasing your home renovation insurance is straightforward. All instructions will be included in your quote, and we’re always available by email, live chat, or phone to assist you.
Most policies can be activated within minutes, giving you immediate home insurance during renovations. Whether you choose a stand-alone policy or a combined home and contents solution, we’ll ensure your protection begins exactly when you need it.
What We Need to Create Your Policy
To prepare a tailored home renovation insurance policy, we’ll need specific details about your project. This includes the nature of the work, expected completion dates, and the value of your home and contents during the renovation period.
For high-value possessions such as jewellery, fine art, or antiques, we may also require valuations to ensure they’re fully protected under your renovation insurance for homeowners policy.
Not sure which level of cover is right for you? Our experts will help you select the best home remodel insurance to match your project and lifestyle.
Contact Us
What Our Clients are Saying
Get a Bespoke Quote
Your home and valuables deserve the highest level of protection. Speak with
our experienced team to create a high value home insurance plan tailored
around your lifestyle.
Call us today or request a callback to begin your personalised quote.
Chelsea Insurance Brokers are a trading name of:
Kensington Insurance Brokers
Authorised and Regulated by the Financial Conduct Authority: 445714
Company Registration Number: 03001530
Our Services:
- Jewellery Insurance
- Fine Art & Collectibles Insurance
- Home & Contents Insurance
- Landlord
- Business & Commercial
Our Address:
10-12 Old Bond Street, Mayfair
London
W1S 4PN