Home Renovation Insurance

Home improvement insurance, allowing you to stay protected while you renovate. 

  • Cover for properties that are undergoing renovations, from repairs to extensions.
  • Accidental damage cover included as standard
  • UK-based support

Get a quote online or call us on 0345 266 8574.

A shield with a tick inside it on a big translucent blue circle
White room with boxes, plants and a few home items
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4350 customer reviews

Feefo Logo

Why choose home renovation insurance with Towergate?

Chat

Dedicated home renovations insurance claims team

Our dedicated claims professionals are available from Monday to Friday, with the exception of bank holidays.

Chat

Specialist home renovation cover team

If you have any questions about our policies or if you need to make a change, our friendly customer service team is available.

Direct Debit

Pay for home renovation insurance in instalments

You can use Direct Debit to split your home renovation insurance payments.

Accidental Damage

Malicious damage cover

You will be covered for malicious damage on this policy while renovations are being carried out.

About home renovation insurance

Certificate

Accidental damage cover

Accidental damage is included as standard while home improvements are underway, except when there is over 20% roof work or work on load-bearing walls.

House

Unoccupied property insurance

If you’re moving out of the property for over 3 months while work is being done you may need unoccupied home insurance. In this case we can easily update your policy.

Theft

Theft or attempted theft cover

You will be covered for theft while your renovations are being carried out as long as violent or forcible entry or exit has been used, except when there is over 20% roof work or work on load bearing walls.

Liability

Cover when fitting kitchens, bathrooms, plumbing, electrics and more

For simple DIY and home improvements, you don’t need to inform us. Whether that is putting up a shelf or a lick of paint, this will be acceptable to us without altering your policy. Anything beyond this you would need to call us to discuss how this may impact your policy. This will include if you are looking to fit new kitchens and bathrooms, complete plumbing or electric work right up to fitting a new roof or double storey extension

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0345 074 4760 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Home renovation insurance FAQs

Yes, you can add cover for home emergencies to your property insurance policy.

We can offer:

  • Three levels of home emergency cover, starting with emergency repairs to the primary heating system at your property
  • Extension to include emergency repairs to your drainage and water services, securing broken windows and doors - and dealing with pest infestations
  • Access to a 24-hour helpline and network of reliable UK tradespeople

Please talk to your Towergate adviser for details.

We specialise in providing cover where other providers can’t. If you've had previous claims, we will still consider your property whether or not you've been rejected by other insurers. This is also handled by our Colchester team and details can be found on our contact page. In all cases, the more information you are able to provide regarding your previous claims, the better.

Homes which are at risk of flood are often a little trickier to insure. We have policies which will cater for flood in some of the harder to cover areas and can often refer cases to our insurers to see if they can provide cover. You can read more on insurance for flood risk areas, provided by our team in Colchester.

Running a business from your home often means you have slightly different need to a standard home. See our home business insurance webpage for more details.

Property owners liability is related to an individual’s  legal responsibility to properly maintain property they own so it is not a danger to others. If a form of negligence connected to the property causes a third party to be injured or their property to be damaged, they may seek compensation from the property owner.

Subsequently, it’s important to have insurance in place to cover this. Most home insurance policies including our own, include this as standard.

Whether you’re looking for a decorator for your living room or a builder for a large-scale extension - or any plumber, plasterer or electrician in between – finding the right tradesmen or contractor for your job is key.

Thanks to the telly we’ve all heard a lot about ‘rogue’ traders, but the truth is that most contractors are good at what they do. So how do you find them, and how do you avoid the bodgers and botchers that could cost you time, money, and peace of mind?

Here's how to find the best home improvements tradesmen in 12 easy steps...

1. Define your job

If you want to get the right person for the job, the first step is to be really clear about what the job actually is. If you’ve done your research and know exactly what you want done, your budget and your timescales, you’re off to a flying start.

2. Go on recommendations

The very best way to get the very best tradesmen is to go on personal recommendations from people you trust, and preferably from jobs you’ve seen completed. If your friend has a great new bathroom or fantastic loft extension, ask them who they used.

3. Get several quotes

The general rule of thumb for whatever work you’re having done is to get at least three different quotes. Meeting different tradespeople will give you a feel for who you want in your house and what they can do for you, and give you a basis for comparison.

4. Don't go on price

Your budget is obviously very important, but be wary of comparing contractors only on price. The cheapest quote isn’t necessarily the best one, and in fact most reputable builders and tradesmen will put quality first, and won’t come in super-cheap. This is one area where you definitely pay for what you get.

5. Look for quality

Instead of price, look for quality.

How long have they been trading?

It’s worth checking out how long your contractor has been in business – if it’s only been a few weeks or months you’ll need to tread carefully. Look to see if they’re registered at Companies House, and how long they’ve been going.

Have they got a place of business?

Check to see if they have business premises. Be wary of anyone with only a website and phone number – both can be easily changed and the business can disappear quickly.

Are they a member of a trade association?

Most trades have a professional body or trade association which will have codes of conduct, complaints procedures, and will require members to reach certain standards to join, for instance the National Federation of Builders, or the Royal Institute for Chartered Surveyors.

Do they have another trust mark?

Just as gas engineers can have an official Gas Safe mark, other trades will have their own quality markers. You can also look for the TrustMark itself, a scheme introduced by the Government to cover all building trades.

There are also other top traders lists to check out  – for instance from Which?, Checkatrade and Rated People.

Do they have customer reviews?

Always check online for independent customer reviews – nothing the contractor could edit themselves. Look on their website, on social media, and on review sites like Trustpilot.

6. Get references

Ask to see case studies, pictures of previous work, and even if you can talk to previous clients who will act as references for the contractor’s work.

7. Be flexible

Good contractors get booked up. If you’ve got a big job you want doing right, you might not be able to get it done right now. If you can be flexible and wait in line for your contractor to finish other jobs, you’re more likely to get the right people for yours.

8. Get it written down

Always get things down in writing. At a minimum you need to know:

  • Exactly what’s included in the estimate, costed out by item, including labour
  • When work will start and an estimated completion date
  • Full price, VAT and a payment schedule, if needed
  • Any subcontractors being used
  • Health and safety information, including what will be done with waste materials.
  • For bigger and more complicated jobs you may need a proper JCT (Joint Contracts Tribunal) – a sort of building contract.

9. Be prepared

Any sort of work on your home is likely to cause some level of disruption and mess, so be prepared. Make sure you’ve cleared the space your contractor will need to work in, and protected carpets/furnishings. Make it as easy as possible for your tradesmen to get in and get going, and do your part to keep things on track.

10. Be realistic

However prepared you are, things can go wrong with any kind of work you have done on your home. Make sure you’re realistic about this. Factor in a contingency budget of at least 10% to deal with any mishaps or unexpected issues, and at least 10-15% contingency on the timeline.

11. Communicate well

Make sure you communicate well with your contractors from the get go. Expectations have been set in writing, and that gives you something to refer to when asking if the job is keeping to time and budget. Provide tea and snacks, and don’t be afraid to ask questions. It’s your job, and your property.

12. Go by the book

Make sure you’re following all the rules. That includes:

  • Checking your insurance so you know you’re covered for renovation work – particularly if your property is going to have lots of materials on site, or if it’s going to be unoccupied.
  • Checking your contractor has the right insurance – including public liability insurance.
  • Making sure you’ve got the right paperwork and approvals in place from your Local Authority – including any planning permission – before work starts.
  • Ensuring you’ve got sign off for your work from a building inspector, and any completion certificates and appliance guarantees.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

You can pay by credit card or monthly Direct Debit.

If you prefer to spread the cost of your annual premium, we offer a quick and easy Direct Debit scheme. When you choose to pay premiums in instalments, you will be paying under a premium finance plan.

We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.

Read more FAQs

Home renovation insurance articles and guides

Most Profitable Home Renovations

When it comes to home renovations, sometimes it takes money to make money.

Enter your house value to see which home renovations will bring you the biggest profit.

Read more

Top Ten Renovation Mistakes

Find out more about some of the most common mistakes made during home and property renovations.

Read more

Dressing Your Home for Sale

If you're trying to sell your home, check out Towergate Insurance's guide on how to display your home in the most favourable way.

Read more

How to Protect Your Home While You're Away

How do you keep your home secure while you are away on holiday? Learn new tips and tricks on how to protect your home.

Read more

Protect Your Home against Burglaries during the Colder, Darker Months

Domestic burglaries happen all the time - but particularly during the last three months of the year. This article explains how to minimise your chances of being burgled.

Read more

Protecting Your Home From Fire and Flood Risks

Read a few quick tips to protect your home from the risk of fire and flood damage.

Read more