Home renovations change the risk profile of your property, and not all standard home insurance covers work in progress.
From structural alterations to temporary unoccupancy, our building renovation insurance adapts as your project evolves, keeping your property correctly protected throughout.
With Intelligent Insurance, you can focus on the transformation while we handle the specialist cover you need.
Key Features:
We cover projects from minor refurbishments to full structural renovations. Whether it’s a kitchen update, extension, loft conversion or major rebuild, we can arrange cover in most cases.
Yes. If your home is empty during building works, our policy maintains full protection throughout the renovation period.
Yes, but certain conditions may apply. Works endorsements often require that contractors are appropriately qualified and insured.
If your project timeline extends, let us know. We can adjust your policy term to ensure continuous cover.
When your building work finishes, simply update us. We’ll adjust your policy to full standard home insurance to reflect your completed property.
Every renovation is different.
We build policies to reflect your specific circumstances, whether it’s a listed cottage, a modern eco-build, or a full building renovation.
No assumptions, no shortcuts, just specialist home renovation insurance that protects your property throughout the work.
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
Browse our intelligent reading list of articles, guides and tips at your own convenience.
Read our guide to making sure your home is insured during your home renovation
Discover how Defaqto Star Ratings guide better insurance choices
“…Policy tailored to my needs during a large building renovation project. Very competitive quote and good customer service…”
If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Making a claim has never been easier – just follow these three simple steps.
Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.
Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.
If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.
