Making home improvements can be a great way to build on your property’s value, but you could be at risk of losing money if something goes wrong during building works. From our panel of leading providers, Wesleyan Financial Services can find you insurance that covers you for damage, loss or theft to your home and contents.
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Save time searching the market with cover for your home and building works from our panel of leading insurance providers. Whether you’re looking for temporary cover for a one-off project or need annual cover for ongoing building works, we’ll tailor your policy to suit your needs.
And when you’re ready to settle into your home again, we can get you a quote for standard home insurance, so you can enjoy your new and improved home with full peace of mind.
Whether you’re scheduling an extension or making improvements, it’s important to protect your home in case things go wrong.
You may already have standard home insurance, but this often won’t cover building works, the materials used on site or potential liability exposures.
Beyond insuring your building works, you’ll need to think about protecting your subrogation rights.
Occasionally, clauses in a builder’s contract may require your insurance to be in joint names with the builders or contractors. This puts you at risk of not being able to take legal action against them if their actions lead you to making a claim on your insurance.
Unlike most standard home insurance policies, renovation insurance can cover all your existing fixtures and fittings as well as any new ones that get delivered to you.
If you only had a standard home insurance policy, you'd need to make sure that the contractors covered any new items to be fitted in your home.
Structural damage can be costly and time consuming to repair. That's why it pays to be protected.
We work with insurers to make sure all structural work is protected during renovations, for both your existing property and any new builds.
If you’re piling, doing basement excavations or demolition work, it’s likely that you’ll need to move out of your home for a short while. An unoccupied building might not get cover from standard buildings insurers, which is why we offer cover for major renovations.
As a broker, we search the market to find you the right deal for your needs. How much you can expect to pay will depend on a few factors, such as:
When you come to us to get a quote, we'll provide you with a range of options that match your ideal level of cover.
You can have both home insurance and renovation insurance, as the latter covers you for building works and projects that standard home insurance doesn’t.
If you already have a home insurance policy with us, you can let us know when you get a quote. Additionally, if you’re a member of Wesleyan you could get 20% off your renovation insurance policy.
Cosmetic changes are typically anything that doesn’t affect the structure of your property. For example, redecorating. For these changes, it’s unlikely that you’ll need renovation insurance.
A renovation project can be as small as upgrading your internal plumbing or as large as adding an extension to your home. If you aren’t sure whether your project would be classed as a renovation, you can ask your current home insurance provider. They’ll be able to tell you if your plans are covered or if you need to take out renovation insurance.
Alternatively, you can apply for a quote with us today and one of the team will be in touch to discuss your needs.
Yes, you can still get renovation insurance, you’ll just have less options as you’ll only be able to get a policy from a specialist insurance provider.
What’s classed as a non-standard home can vary, but typically it includes properties of unusual construction, cob houses, timber houses and more.
As your home will likely have additional requirements, you’ll need a policy that’s tailored to your property. We can help you find one.
Yes, although there may be some limitations to your cover. You’ll be able to discuss this with our insurance team when you get a quote.
Yes, you can extend your cover if your project is lasting longer than expected or you decide to carry out additional works. In this instance, a pro rata additional premium is applied.
Do you own one or more rental homes? Protect your property portfolio with landlord insurance from a panel of leading providers.
When standard home insurance isn’t enough for your property, get bespoke cover for your specialist home or high-value home worth more than £500,000.
Protect your unoccupied home with comprehensive cover from a panel of leading insurers. For natural disasters, vandalism, theft and more.
Limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary. Risk must be acceptable to underwriters at normal terms.
Wesleyan Financial Services is a broker and its insurance products are provided by a number of insurers.