House with scaffolding on outside for works


How to build insurance into your building projects

People often only contact their provider once work has taken place, especially if the value of their property has increased. But what if something unexpected happens during the project? Like theft from the worksite or machinery breakdown. A contractor would not necessarily be liable for such expenses as it’s the homeowner’s responsibility to insure works undertaken on their home. Despite this, relatively few insurers offer such policies, so getting the right cover can be tricky.

In answer to this, Home & Legacy can provide access to specialist building works insurance, which is designed to offer protection against loss or damage during refurbishments or extensions. We can arrange a policy which lasts for the duration of the works and can be tailored to suit your individual project.

Headshot of Adrian Ewington

And it's not just major works where a policy might be needed, as Home & Legacy's Underwriting & Markets Director, Adrian Ewington explains:

“Even on something seemingly straight-forward, like a kitchen refit, insurance needs to be built into the overall project plan. Appliances, cabinets and tiles can cost thousands and these materials might be stored for weeks while the project gets underway. Under a regular household policy, these items would not necessarily be covered until they are fitted in. With a specialist building works policy these items would be covered as soon as they are in transit from the supplier."

  • Begin with a blueprint – a designer can put your vision onto paper.
  • Choose contractors carefully, get recommendations and don’t be afraid to interview before starting the work.
  • Check the calendar – arrange works around the weather and family events.
  • Get your paperwork in order including your building works insurance.
  • Finalise your household arrangements - from storing furniture to overnight hotel stays.
If you're planning any renovations and would like to discuss your insurance needs, speak to a dedicated Home & Legacy advisor.
Home & Legacy Insurance Services Ltd is a wholly owned subsidiary of Allianz Holdings plc and is registered in England number 3007252. Registered office: 57 Ladymead, Guildford, Surrey GU1 1DB. Home & Legacy Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register number is 307523. Please note that telephone calls may be recorded for training and/or monitoring purposes.