Protecting your home with house refurbishment insurance

If you are getting any kind of work done on your home then it is important that you have cover, and regular home insurance will not cover periods when renovations or refurbishments are happening at your home. Find out more about this type of insurance and what it will cover here.

Having work in the region of renovations and repairs done on your home can be a very stressful time as the place in which you relax and unwind becomes somewhat less relaxing. Nevertheless, it is important to remember in these times that you will need a special insurance policy to cover all of the work that is being done. No matter how extensive the work is, insurance is always needed as regular home insurance will not cover anything other than decoration. Regular insurance companies and their policies may also restrict the work that you are having done, so therefore the best solution is to have renovation insurance during this time period.

Renovation insurance, or house refurbishment insurance as it is also known, will cover the property whilst unoccupied during renovations as well as building materials and any structural work that is done and much more. It may also turn to regular home insurance once all of the work is completed.

Having work done on your home can be very expensive, even for a small job, and you will want to ensure that you are fully covered in case anything goes wrong. When it comes to insurance it's always better to err on the side of caution, and this is particularly true when it comes to home renovations and house refurbishments. If you are planning on having work done on your home then get in touch with a company today who can offer this type of policy.

Empty home insurance will cover properties unoccupied longer than 30 days

Any time that you have an empty property for over one month you will need a specialist insurance policy to cover threats like fire and theft. There are a number of reasons your property could be empty for this long and it’s important to be aware that regular home insurance policies will not cover you for lengthy periods.

It is important to be aware of the fact that at any time you leave a property empty or unoccupied you will need a special insurance policy – this is because regular home insurance will not cover these time periods. Your home could be empty for a number of reasons – for example, you might be waiting for your old property to sell before moving into a new home or you could be renting whilst work is being done.

Any period longer than 30 days unoccupied will mean that you will require a specialist type of insurance policy known as empty home insurance. This policy will cover threats such as fire and explosions and other similar hazards, and you can also have additional cover for theft and damage and subsidence as well as liability risks as the property owner.

To make this specialist type of insurance policy more affordable for home owners you can do things such as add door and window locks, fit burglar alarms and take other security measures. So if you have a property that is going to be empty for over a month for whatever reason then do the sensible thing and get in touch with an insurance company about taking out an unoccupied house insurance policy for complete protection. If you do not do this you will be liable for damages that occur as regular home insurance policies will not cover properties which have been empty for over 30 days.