House renovation insurance from Intelligent Insurance

Home Insurance While Renovating

Keep your buildings and contents cover in place while renovation work is happening.

Important: This is home insurance for the existing property during renovations. It does not cover the building project itself (often called contract works insurance).

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Who this is for

This cover can be suitable if you want to insure:

  • Buildings (the existing structure) while works are underway
  • Contents during the renovation period
  • Unoccupied periods if the home is empty for part of the project

Availability and conditions vary by insurer.


Who this is not for

This cover is not designed for:

  • Insuring the renovation work / materials / project cost
  • Cover for a builder’s work, trades liability, or site insurance
  • A policy that covers only the renovation and not the home

If that’s what you need, you may want to search for contract works insurance or renovation project insurance.


Why you need to tell your insurer

Many standard policies have restrictions when building work is taking place. Insurers usually need to know about changes that affect the structure, security, or risk of damage (for example extensions, loft conversions, kitchen or bathroom refits).


Get a quote in minutes

Get a home renovation insurance quote online in minutes using our quick and easy quote service.

If you’d prefer to talk things through, call 0333 311 0390 to speak with a member of our UK-based specialist team.


Home Insurance Specialists names you can trust

Nelson policies as Lloyd's logo
Intelligent Insurance | Pen Underwriting Panel Member
Intelligent Insurance | Arkel Panel Member
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Prestige Underwriting Services Panel Member