2. If there are changes in your circumstances
Generally, home insurance policies are invalidated if information comes to light, which had the provider known about when you originally purchased your policy would have meant they weren’t willing to insure you. That’s why it’s important to give the most accurate information possible when you take out a policy. It’s vital you make your provider aware of any changes in your circumstances when the policy is in place, such as extensions, and even if you change your job or have children
3. Before you make any home improvements
If you’re having any work done to your property, whether that’s a new kitchen fitted or an extension built, you should inform your insurance provider. The work could involve builders entering the property, and your house may be less secure, so an insurance provider could see this as an increased risk. Your provider may place special conditions on your policy during the building work to cover for this risk. If you rent your home and have only contents insurance, you’ll still need to tell your insurance provider.
4. After you make certain home improvements
If you’re making significant alterations to your home, you may need to consider whether the build cost of your home has increased. This is likely if you are adding a bedroom or an extension, but unlikely if you're just renovating an existing bathroom or kitchen. But as always, it's sensible to check with your insurance provider.
5. If you use your home as business premises
If you run your business from home and customers visit, then your insurance provider could see this as an increased risk of theft or damage. Make sure you declare you have a home business when you start a home insurance quote. You might want to consider taking out additional business insurance if your home policy doesn’t offer the cover you need.