Your dream home may require planning permission or listed buildings consent prior to the renovation taking place. During this time it may be left empty while the essential paperwork is completed.

We are able to offer varying degrees of renovation insurance depending on the overall condition of the property and other underwriting factors.  In almost every case we will manage to obtain some coverage for you.

We make claims handling easier by offering a single policy covering:

• The existing structure: the building in its current state
• Contract works: the work to be undertaken.

This policy often needs to be in the joint names of you and your chosen contractor. Most insurers are unwilling to offer renovation insurance in joint names and may restrict your cover to a minimal level during the works, which might not be desirable from your or your lender’s perspective.