If you decide to renovate, extend your home or purchase a property in need of renovation then it can be a complicated scenario, especially if the property is listed where there are serious implications in relation to the insurance of the existing property.
What impact might this have on your existing buildings and contents' insurance?
Home insurers ask that you notify them of any works planned at the home and may, depending on the works and the costs, reduce cover to a very basic set of circumstances or cancel cover entirely. Generally, the contractor’s insurance only includes the works. This leaves your home and its contents uninsured, unprotected, and at-risk.
For larger works, there are insurance explanations within the contract put in place with your builder. It clarifies who is responsible for insuring the existing structure and/or the works during the duration of the works.
These can be misunderstood and overlooked.
Renovation and extension insurance covers you for the unpredictable things that can go wrong during the duration of building works. Therefore, it is imperative to speak to a specialist who understands the consequences. A specialist has the industry knowledge and experience to verify if you have the right cover.
If you decide to extend or refurbish your home, Zen Private Clients provides the right insurance for you. Having the precise cover on your side relieves the stress brought on by building, electrical and plumbing projects.
Find out for yourself how our personalised service delivers a high level of understanding of what your home insurance needs are and how we meet those needs with our signature, comprehensive, and proactive approach.