Renovation – What You Need to Know About Insurance

Renovation – What You Need to Know About Insurance
  • Opening Intro -

    Starting out on a renovation project is an exciting time.

    You are looking forward to seeing the finished result and cannot wait to get things under way.


However, if you want the outcome to be successful, you need to make sure that you take time to plan effectively. One of the factors you need to think about is insurance for the project.

This article outlines what you need to be aware of re:insurance before starting a renovation. Let’s take a look at some of the major points.

Why do you need insurance?

This article outlines what you need to be aware of re:insurance before starting a renovation. Let’s take a look at some of the major points.

  • Damage to the interior of your home.
  • Damage to property.
  • Stolen property.
  • Injury to individuals.

Some aspects may be covered by your home insurance, or by the insurance of the contractor, so you need to check first. If no cover exists, you will need to invest in renovation insurance.

Having the right insurance is one of the most important aspects of a renovation project to consider.

What type of renovation insurance can you get?

There is no one type of renovation insurance. You can have insurance tailored for your individual needs. This means that any aspects which are already covered by other policies do not have to be included, avoiding duplication.

Aspects that you need to think about insuring include:

  • The cost of replacing personal items that have gone missing, or been damaged, during the renovation.  This can be a significant expense, depending on which items are involved.
  • The cost of repairing damage to your home that happens as a result of the renovation work.  This type of repair could otherwise end up costing you several thousands of dollars, depending on how serious the damage is. 
  • The cost of somewhere to stay while damage is repaired, if you are unable to remain in your home. If you are out of your home, in alternative accommodation, the costs can quickly mount up.
  • Public liability cover for any injuries caused to people as a result of the renovation project.

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Renovating can be an emotional process as you are so invested in your home looking beautiful at the end. The last thing you need is for problems to occur during the project and you not having any resources in place to deal with them. Investing in renovation insurance means that you can enjoy the project and not worry too much about dealing with any problems.

Never start a renovation project without having sufficient insurance in place. If you do not do so, you can end up being seriously out of pocket and there is a chance that your renovation will not be able to be completed as originally intended. This is the last thing that you want to happen.

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