Construction & Renovation Insurance

Why choose Howden for Construction and Renovation Insurance?

Any renovation project comes with a risk, from a seemingly straightforward refurbishment to large scale building works, there are insurance implications - which is why it’s important that you get the right advice at the right time.

Providing advice is at the heart of everything we do, so we always offer clear, sensible and independent advice about what you should insure and how. To that end, we always check the small print and offer guidance on any limits and exclusions.

Benefits of working with us:

• Expertise and advice for now and the future
• Dedicated, professionally qualified team of experts
• Each year over 95 per cent of our clients choose to stay with us
• Rated “Excellent” on Trustpilot
• A Private Client legacy which dates back to 1948

Why do you need Construction and Renovation Insurance?

Home insurance policies generally have a building works condition written into the wording, and if you break this condition, you may find yourself without any cover in the event of a claim.

We would always recommend that a renovation insurance policy is secured before any works begin. This type of specialist policy can cover:

• the existing structure
• the works in progress
• public and employee liability

These policies may also include non-negligence cover which is insurance for damage to a neighbouring property where negligence cannot be proven.

We would also advise against relying on a builder's insurance, as it won’t cover all potential issues with a project. For example, a cracked wall during demolition might not be covered if the builder isn't at fault. Plus, in the event of a claim you will be solely reliant on a policy you have no control over.

If you’re planning a renovation and would like to talk to us about the insurance you require, please call 020 8256 4901 or email [email protected]