Protect your home during building works, with tailored cover from top insurers.
- Get cover even if the renovation has already started
- Protect occupied or unoccupied buildings and their contents
- Includes property owner’s liability cover
- Temporary or annual cover to suit you
On this page
You make the plans, we'll find the cover
Why regular home insurance isn’t enough
Whether you’re scheduling an extension or making improvements, it’s important to protect your home in case things go wrong.
You may already have standard home insurance, but this often won’t cover building works, the materials used on site or potential liability exposures.
Insurance that’s built for you
Beyond insuring your building works, you’ll need to think about protecting your subrogation rights.
Occasionally, clauses in a builder’s contract may require your insurance to be in joint names with the builders or contractors. This puts you at risk of not being able to take legal action against them if their actions lead you to making a claim on your insurance.
At Wesleyan Financial Services, we act as a broker to find you insurance that protects your rights, as well as your home.
Read our guide to insuring a home under renovation
Building and renovation works can be a minefield. This guide tells you everything you need to know about getting cover for building works and home improvements.
Learn more about:
- The type of insurance you need when renovating a house
- What you need to tell your home insurance provider
- How much renovation insurance might cost
What does renovation insurance cover?
Internal renovations
Unlike most standard home insurance policies, renovation insurance can cover all your existing fixtures and fittings as well as any new ones that get delivered to you.
If you only had a standard home insurance policy, you'd need to make sure that the contractors covered any new items to be fitted in your home.
Structural renovations
Structural damage can be costly and time consuming to repair. That's why it pays to be protected.
We work with insurers to make sure all structural work is protected during renovations, for both your existing property and any new builds.
Major renovations
If you’re piling, doing basement excavations or demolition work, it’s likely that you’ll need to move out of your home for a short while. An unoccupied building might not get cover from standard building insurers, which is why we offer cover for major renovations.
Unlike most standard home insurance policies, renovation insurance can cover all your existing fixtures and fittings as well as any new ones that get delivered to you.
If you only had a standard home insurance policy, you'd need to make sure that the contractors covered any new items to be fitted in your home.
Structural damage can be costly and time consuming to repair. That's why it pays to be protected.
We work with insurers to make sure all structural work is protected during renovations, for both your existing property and any new builds.
Already a Wesleyan member? Save 20% on insurance
Protect your home and your pockets when you take out a new renovation insurance policy as a Wesleyan member. You can benefit from 20% off.
See eligibility criteria and terms and conditions.
Important information
Things to know before you apply
Limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary. Risk must be acceptable to underwriters at normal terms.
Wesleyan Financial Services is a broker, and its insurance products are provided by a number of insurers.
Frequently asked questions
As a broker, we search the market to find you the right deal for your needs. How much you can expect to pay will depend on a few factors, such as:
- The scope of the project, including the length of time it will take to complete
- The price of materials and labour
- The location and value of your home
When you come to us to get a quote, we'll provide you with a range of options that match your ideal level of cover.
You can have both home insurance and renovation insurance, as the latter covers you for building works and projects that standard home insurance doesn’t.
If you already have a home insurance policy with us, you can let us know when you get a quote. Additionally, if you’re a member of Wesleyan you could get 20% off your renovation insurance policy.
Cosmetic changes are typically anything that doesn’t affect the structure of your property. For example, redecorating. For these changes, it’s unlikely that you’ll need renovation insurance.
A renovation project can be as small as upgrading your internal plumbing or as large as adding an extension to your home. If you aren’t sure whether your project would be classed as a renovation, you can ask your current home insurance provider. They’ll be able to tell you if your plans are covered or if you need to take out renovation insurance.
Alternatively, you can apply for a quote with us today and one of the team will be in touch to discuss your needs.
Yes, you can still get renovation insurance, you’ll just have less options as you’ll only be able to get a policy from a specialist insurance provider.
What’s classed as a non-standard home can vary, but typically it includes properties of unusual construction, cob houses, timber houses and more.
As your home will likely have additional requirements, you’ll need a policy that’s tailored to your property. We can help you find one.
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High-value home insurance
When standard home insurance isn’t enough for your property, get bespoke cover for your specialist home or high-value home worth more than £500,000.
Unoccupied home insurance
Protect your unoccupied home with comprehensive cover from a panel of leading insurers. For natural disasters, vandalism, theft and more.
Get a renovation insurance quote
Complete the short form below and a member of the renovation insurance team will call you as soon as possible.*
Already have a renovation insurance policy with us? Existing customers should contact us here.
* Opening hours are Monday-Friday 9am-5pm.