Renovation & contract works insurance in Devizes
The short answer
Cover during building works and self-build
- Price from
- £300.00
- Time on site
- 20 to 45 minutes for a detailed quote
What you get
You get a specialised insurance policy tailored to protect your property and project from risks like fire, theft, and damage during construction or renovation works.
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When do you need a Renovation & contract works insurance?
You should arrange this cover before any building work begins on your home. It is a legal and practical safety net for major changes.
- Use it for loft conversions or extensions.
- Buy it for basement digs or remodelling.
- Get cover if the roof is removed.
- Use it if you move out temporarily.
- Check if your mortgage lender requires it.
- Get it if the house is empty for 30 days.
What happens on the day
To set up cover, you will need to provide specific details about your project. Prices vary, but as a guide, expect to pay around £500 to £1,500 for many projects.
- Provide the total rebuild cost today.
- Share the contract value of works.
- Confirm the start and end dates.
- Give your main contractor's details.
- Explain the site security like fencing.
- Tell them if you live there.
How to prepare
- Estimate the current rebuild value
- Get the total builder contract price
- Note the exact project dates
- Check your builder's insurance certificate
- List the security measures onsite
- Decide your temporary moving dates
- Ask your professional about JCT clauses
How to improve your result
- Install high-quality site perimeter fencing
- Use motion-sensor lights around works
- Store expensive materials in locked containers
- Keep the site tidy to stop fires
- Hire builders with great insurance history
Why it is useful day to day
Having this insurance gives you total peace of mind while your home is a building site. It protects your biggest asset when normal cover fails.
- Protects expensive building materials from theft.
- Covers the existing house structure throughout.
- Pays for storm damage to exposed areas.
- Satisfies your bank or lender requirements.
- Handles legal claims if someone is hurt.
- Covers accidental damage to the works.
Why we ask these questions
Your insurer will ask specific things to make sure you have the right protection. It helps them understand the risks of your build.
- They check for structural risks to walls.
- They look at security and locks used.
- They assess fire risks from hot works.
- They verify your builder's own insurance limits.
- They check for public liability needs.
- They ask about neighbouring property risks.
Frequently asked questions
Often needed alongside
Cost plan & quantity surveying
Estimates, tenders, valuations
- Recurring
Landlord insurance
Buildings, contents and liability for let property
Development finance
Funding for new builds and conversions
- Recurring
Home (buildings) insurance
Buildings cover for owner-occupiers
Bridging finance
Short-term loans for purchases and chains
Project manager
Run the build for you
- Recurring
Contents insurance
Cover for belongings
Refurbishment finance
Light and heavy refurbishment loans