If you’re planning on carrying out any sort of building work on your property, then you should ask these questions about your home insurance.

Do I need to tell my home insurance provider about my extension? 

Yes, it’s almost certain that you’ll need to tell them. It’s important to keep your insurance provider in the loop as your home insurance could be invalidated if they’re not made aware of changes. 

When should I contact my insurance provider?

You should include them at the planning stages, and let them know well before you make any significant changes to your home. This covers additions, renovations and even substantial maintenance projects.

Your home insurance premium could increase while building work is ongoing, or you could have restrictions placed on the cover you have during the building work phase. 

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Does my home insurance cover builders? 

You may need to ensure that your contractor is covered for any damage they might cause to your property during the process. If not, you run the risk of invalidating your insurance and not being able to claim for any accidents that your builder might cause.

It’s also worth mentioning that any poor or faulty work by a contractor is usually not covered under your home insurance policy, therefore it’s important to do some research and appoint a reputable contractor to carry out the work. 

Will I pay a higher premium on my home insurance after an extension?

You might expect to because your buildings insurance could increase in line with your rebuild costs. However, there are lots of ways that you can help to reduce your home insurance premium. You could increase your voluntary excess (but make sure you can afford to pay it should you have to make a claim), build up a no claims discount or take steps to beef up your home security

How can I check I have sufficient home insurance?

Even if you’re not planning big changes, it’s still worth reassessing your insurance cover from time to time. You might discover that you’re no longer insured for the full value of your home. Equally, you might find that you’re paying too much if something has caused its value to decrease. Start a quote with us today and we’ll help you find the right level of home insurance at a price you can afford.