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How renovating can affect your home insurance

How renovating can affect your home insurance

Renovating a home can be so much fun that we sometimes overlook (never avoid intentionally!) the important administrative things that come with it. One of the most important things that is far too often overlooked, is insurance.

Did you realise that renovating can impact your home insurance? A lot of people forget that and when they need to actually use their insurance, find out too late that the value their home is insured for or the fittings and fixtures haven’t been updated since before the last renovation.

The good news is that there are a few renovations which are absolute MUST-DOs when it comes to updating your insurance, so if you remember to update it when you do these things, you’ll avoid stress, hassle and are likely to save money in the long run.



The purpose of most renovations, aside from increased functionality, is to increase the value of your home. The value of your home affects your insurance policy and what it covers. So extensions or renovations really need to be discussed with your insurer to determine how much value they add and how this will affect your policy and the premiums you pay.



Many home and contents policies actually have rules about how home occupancy impacts the policy validity. For example, if you went on holidays for three months and your property was empty and your policy had a 60-day vacancy clause, your property may not be covered for the last 30 days of your trip. The same goes for vacating a property while you are renovating. You should discuss this with your insurer before you begin so you know how to manage things.



Most standard home insurance policies don’t extend coverage for accidents, theft and damage that occur on a property being used for business. This means that if you have a home office that you actively use as a registered business address or are thinking of setting one up, you will need to contact your insurer to discuss what your options are. They may be able to provide you with a policy extension or new policy that covers your home office activities and liabilities.



Swimming pools impact the total value of your property so they become more expensive to replace, but they also increase your risk of liability claims. Informing your insurer of your plans to build a pool should be done early on so they can update the policy accordingly – but be prepared for your premiums to rise.


So, there are a few things to consider before you get started and you are always better to be safe than sorry when it comes to insurance – trust us!

Stay tuned to learn more about insurance and what cover your subcontractors should have before working, next week! 

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