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Hiscox  >  Home Insurance  >  Renovation and Extension Insurance


Renovation and Extension Insurance

If you plan to carry out building works on your home, it's worth considering Hiscox Renovation and Extension Insurance. We offer market-leading protection that gives you complete confidence that your buildings, contents and materials are fully covered if anything goes wrong.

This cover is available to Hiscox Home Insurance policy holders. You can add it to your policy for a set time period and once your works are complete, we’ll remove the extra cover and your home insurance policy with us continues uninterrupted.

What is Renovation and Extension Insurance?

Hiscox Home Insurance automatically includes cover for building works up to £75,000. Our Renovation and Extension cover can be added to your home insurance policy for projects over that value. It will give you comprehensive insurance for your buildings, contents and materials while the works are being done. The cover makes sure that you have the right level of protection against increased risks associated with a higher value project.

Why do I need Renovation and Extension Insurance?

With some insurers, a renovation or extension on your home may reduce the protection of your current home insurance policy or invalidate it completely, leaving your biggest asset potentially uninsured. Most insurers will ask you to notify them of the works and may either withdraw or limit the cover provided. This might mean that you are not covered for certain risks associated with the works, such as:

  • damage to your property and contents
  • theft of possessions and building materials
  • personal accidents

Speak to our UK based experts to get a quote for Renovation and Extension Insurance

0800 247 1902
Mon - Fri, 8am to 7pm, Sat, 9am to 2pm
Calls are free from a landline and some mobile contracts

What kind of risks and costs does Renovation and Extension Insurance cover?

  • The existing structure – your home remains fully insured against damage and loss.
  • Your possessions – the items in your home or temporarily in storage because of the works.
  • Alternative accommodation – if your property becomes uninhabitable due to loss or damage from the building works.
  • Building materials and equipment – those that are on-site but not yet fitted to the property e.g. kitchen units.
  • Works in progress – the sections of the property that are still under construction.
  • Public liability – if an accident happens as a result of your building work - for example, a roof tile falling and hitting a passer-by – then you're covered.

For full terms and conditions of the cover, read our Renovation and Extension policy document.
Please read in conjunction with our Hiscox Home Insurance policy document.

Key benefit of our Renovation and Extension Insurance

By taking out a Hiscox Home Insurance policy and adding our Renovation and Extension cover for projects over £75,000, there is no need to switch between insurance companies and different policies. It will cover the duration of the works with no gaps in your protection and means there’s no need to purchase a separate specialist building works policy.

How does Renovation and Extension cover work?

First you need to have a Hiscox Home Insurance policy. By speaking to one of our insurance experts, you can immediately add the Renovation and Extension cover to your policy for the duration of the works.

If you need to make a claim, our award-winning claims team will assist you with getting your project back and up running as soon as possible. We will give you a dedicated, named claims handler wherever possible, who is there to take care of your case quickly, efficiently and fairly.

Once you've notified us that your project is complete, we'll remove the cover and your home insurance policy with us will continue without interruption.

What should you do if you're a current Hiscox customer and are planning building works?

In all cases where you're planning to extend, renovate, build or demolish any part of your property, contact our insurance experts to notify us before the works begin.

If you tell us that the estimated cost of the works is more than £75,000 we can talk about your needs and add the Renovation and Extension cover to your policy.

Speak to our UK based experts to get a quote for Renovation and Extension Insurance

0800 247 1902
Mon - Fri, 8am to 7pm, Sat, 9am to 2pm
Calls are free from a landline and some mobile contracts