Home Renovation Insurance from Brunel Insurance for People

Protect your property with specialist home renovation insurance from Brunel Insurance for People. Whether you’re undertaking minor improvements or major structural works, our tailored cover ensures your home, contents, and financial position remain protected throughout the renovation process.

Building works can significantly increase the risk of damage, theft, and liability. Our policies are designed to safeguard your property while work is ongoing, including cover for fire, flood, accidental damage, theft, and periods where the home may be unoccupied.

What is Home Renovation Insurance?

Home renovation insurance is a specialist policy that keeps your property insured while building work is in progress. Standard home insurance often becomes invalid or restricted once renovations begin, particularly for large-scale or long-term projects.

At Brunel Insurance for People, we arrange bespoke renovation insurance for a wide range of projects, including:

  • Loft conversions and extensions
  • Garage conversions
  • Structural alterations (including subsidence works)
  • Full property refurbishments
  • Internal redesign and remodelling

This ensures continuous protection for your home during every stage of the renovation.

Does Standard Home Insurance Cover Renovations?

In most cases, standard home insurance policies do not provide adequate cover during renovation works.

This is due to increased risk factors such as:

  • Frequent access by contractors and tradespeople
  • Reduced security (e.g. open access points or scaffolding)
  • Higher likelihood of accidental damage
  • Increased risk of theft
  • Periods where the property may be unoccupied

Without specialist cover, claims arising during renovations may be declined, leaving you financially exposed.

Do You Need Specialist Renovation Insurance?

If you are planning any form of renovation, it is essential to ensure your insurance reflects the increased risk profile.

Brunel Insurance for People focuses on what matters most:

  • Protecting the existing structure of your home
  • Safeguarding your contents and personal belongings
  • Maintaining property owner liability cover

We do not duplicate cover that should sit with your contractor (such as tools, works, or contractor liability), helping ensure your policy remains relevant, cost-effective, and compliant.

 

What Does Home Renovation Insurance Cover?

A comprehensive home renovation insurance policy can include:

  • Protection for the existing building structure against risks such as fire, flood, and storm damage
  • Cover for household contents during renovation works
  • Unoccupied property cover where the home is empty for extended periods
  • Property owner’s liability insurance
  • Alternative accommodation if the property becomes uninhabitable due to an insured event

Cover levels and terms can be tailored depending on the scale and duration of your renovation project.

 

Unoccupied Home Renovation Insurance

If your property will be vacant during works, unoccupied home renovation insurance is essential.

Most standard insurers restrict or exclude cover after 30 days of unoccupancy. Brunel Insurance for People can arrange specialist cover to ensure protection remains in place for the full duration of the works, addressing risks such as:

  • Escape of water
  • Vandalism or malicious damage
  • Theft
  • Undetected damage due to vacancy

 

What Renovations Must Be Declared?

You should inform your insurer of any renovation work, including:

  • Structural alterations
  • Extensions or conversions
  • Changes that increase rebuild cost or property value
  • Significant internal refurbishments

Accurate disclosure ensures your policy remains valid and that sums insured correctly reflect your property’s value during and after the works.

   

What Happens After Renovations Are Complete?

Once your renovation project is finished, it is important to review and update your insurance.

Brunel Insurance for People will help ensure:

  • Your sum insured reflects the updated rebuild cost
  • Any increase in property value is accounted for
  • Your policy transitions back to a standard home insurance arrangement where appropriate

       

Why Choose Brunel Insurance for People?

  • Access to a wide panel of UK insurers
  • Tailored policies for renovation and unoccupied properties
  • Expertise in complex and non-standard risks
  • Clear, compliant advice aligned with your needs