Undergoing Work Property Insurance
Undergoing Works Property Insurance — Cover During Renovation
Undergoing works property insurance — sometimes called renovation insurance — is a specialist policy homeowners take out when building work is being carried out on their property. Standard home insurance typically restricts or excludes cover during renovation, so once a project is underway you need dedicated cover to stay protected.
While renovators are on site, your home is at greater risk. Structural alterations change the building itself, and extensions, conversions, or rewiring need to be declared to your insurer — otherwise the new work won't form part of your policy when you come to claim.
At UK Sure we place undergoing works property insurance that protects the building throughout the project, covers liability for contractors on site, and keeps your home safe from fire, theft, flood, and storm damage during the works. We cover properties that are occupied during renovation and those temporarily unoccupied while work is carried out.
Get a quote online or call us on 01323 416706.
Why Our Undergoing Work Property Insurance
What's NOT Covered
Key Features of Our Undergoing Work Property Insurance
Renovating a property adds risk — from fire and theft on a building site to liability if someone is injured. UK Sure arranges specialist cover that protects your property from the start of the works through to handover.
Cover Throughout the Build
Standard home insurance typically excludes major renovation. Our specialist policies maintain protection during structural alterations, extensions, and refurbishment.
Public & Contractor Liability
If a contractor or visitor is injured on site during the works, our liability cover protects you from the financial fallout.
UK Sure works with specialist property insurers who understand renovation risk. Whether you're extending your home, converting a barn, or refurbishing a commercial property, our policies cover the specific perils of building work.
Frequently asked questions
1. Do I need specialist insurance for a renovation or extension?
Yes. Most standard home insurance policies won't cover you once major building work starts — or will heavily restrict what they'll pay out. Undergoing works property insurance is the specialist cover you need while the project runs.
2. Should I tell my insurance company about the building work?
Yes — contact your insurer at least a couple of weeks before the work starts. They will usually either endorse your existing policy for the project or advise you to take out a specialist renovation policy. Failing to notify them can invalidate your cover.
3. What types of work are covered?
Structural alterations, extensions, loft conversions, rewiring, re-roofing, underpinning, damp proofing, and major refurbishment. Both occupied and unoccupied properties during works are covered.
4. Is liability cover included for contractors?
Yes. Our policies include public liability cover for visitors and contractors working on your property — protecting you if someone is injured on site during the works.
5. Can I get cover if my home is unoccupied during the renovation?
Yes. We cover properties that are temporarily unoccupied while work is being carried out. Unoccupied risks are included in our specialist renovation policies.
6. Is flooring covered under buildings insurance during renovation?
Flooring is covered for specific insured events — such as fire, flood, or vandalism — but not for general wear and tear or damage caused by the building work itself.
7. Can I claim for a leaking roof during the works?
If the leak is caused by an insured event like storm damage, yes. Leaks from ongoing roofing work or contractor error are typically excluded — that's a workmanship issue, not an insured peril.
8. Do I legally need buildings insurance while renovating?
Buildings insurance isn't a legal requirement on its own, but if you have a mortgage your lender will require it. Renovating without cover means paying out of pocket to rebuild after a fire, flood, or storm.