UK Specialist Construction & Property Insurance
UK Specialist Insurance

Renovation & Refurbishment Insurance

Protect your renovation project with specialist Renovation & Refurbishment Insurance designed for UK homeowners, property developers, landlords, and builders.

Renovation and refurbishment work carries increased risks compared to standard property use. Structural alterations, building works, electrical and plumbing changes, and contractor activity can expose your property to damage, delays, and financial loss.

At WS Insurance Brokers, we arrange tailored Renovation & Refurbishment Insurance designed to protect your property, works in progress, and investment throughout the project lifecycle.

Introduction

What is Renovation & Refurbishment Insurance?

Renovation & Refurbishment Insurance is specialist cover designed for properties undergoing construction, improvement, or structural alteration works.

Whether you are modernising a home, converting a property, extending a building, or undertaking a full refurbishment, standard home insurance often does not provide sufficient protection during building works.

This insurance helps protect your property, materials, contractors, and liability exposures while renovation or refurbishment work is taking place.

Who we cover

Who Needs This Cover?

This insurance may be suitable for:

Homeowners renovating their property

Property developers

Buy-to-let landlords

Commercial property owners

House flippers and investors

Builders and contractors

Self-build homeowners

Interior refurbishment projects

Extension and loft conversion projects

Property conversion projects

Listed building renovations

Multi-unit refurbishment schemes

What it covers

Why Choose WS Insurance Brokers?

Specialist Renovation Insurance Expertise

We understand the risks associated with structural works, refurbishment, and building alterations.

Tailored Insurance Solutions

Policies designed around your project scope, property type, and construction activity.

Independent UK Insurance Brokers

Access to specialist insurers covering renovation and refurbishment projects.

FCA Regulated Brokerage

Trusted UK-regulated insurance advice and support.

Fast & Competitive Quotes

Efficient quotation process with competitive premium options.

Dedicated Advisor Support

Personal service from experienced property and construction insurance specialists.
Our Process

A simple 5-step process

From first enquiry to active cover — our specialists handle everything for you.
1

Tell Us About Your Project

Provide details about the property, type of works, and project duration.
2

Risk Assessment

We assess risks including structural changes, contractor involvement, and project value.
3

Compare Insurance Markets

We search specialist UK insurers to identify suitable renovation cover options.
4

Receive Tailored Quotes

Get competitive quotations designed around your refurbishment project.
5

Activate Your Cover

Once approved, your policy is arranged so your project remains protected.

Why choose us

Why Renovation Projects Need Specialist Insurance

Renovation and refurbishment projects face increased risks, including:

Structural damage during works

Fire, flood, and accidental damage

Theft of materials and tools

Contractor-related incidents

Public liability risks

Unfinished works exposure

Electrical and plumbing failures

Project delays and increased costs

Standard home insurance policies often exclude or restrict cover once building work begins.
Real-world scenarios

Claims Scenarios

Structural Damage During Renovation

A supporting wall is damaged during refurbishment, resulting in costly repairs and project delays.

Fire During Building Works

Electrical work during renovation causes a fire, damaging part of the property.

Theft of Building Materials

Tools and materials stored on-site are stolen during refurbishment works.

Water Damage Incident

A plumbing issue during renovation causes significant internal damage to the property.
Reviews

What our clients say

4.9/5 from 600+ reviews
 
 
 
Common Questions

Frequently Asked Questions

It is specialist insurance designed to protect properties undergoing building, alteration, or refurbishment works.
Yes, standard home insurance may not cover risks once construction or structural work begins.
Yes, policies can include liability cover for contractors and site activity.
Yes, cover is available for extensions, loft conversions, and structural alterations.
Yes, cover can be arranged for materials, tools, and equipment on-site.

Protect Your Renovation Project Today

Get tailored Renovation & Refurbishment Insurance with WS Insurance Brokers.
Whether you are renovating a home, upgrading a rental property, or undertaking a large refurbishment project, we can help protect your investment with specialist insurance designed for construction and property works.