Home Renovation Insurance
A major renovation brings real risk from day one - from collapse during opening works to liability for contractors on site. Your home insurance almost certainly won’t cover you adequately. Protek’s renovation insurance does.
WHY IT MATTERS
Your home insurance won't cover a renovation
Most home insurance policies exclude or severely limit cover when major renovation works are underway - especially if you’re managing the project yourself or using labour-only contractors. A Protek renovation policy completely replaces the need for buildings insurance, covering both the existing structure and all new works.
Cover applies whether the property is occupied or unoccupied - making it ideal for projects purchased at auction. Public liability and employers’ liability are automatically included. Party Wall Agreement liability is available as an optional add-on.
WHAT’S COVERED
The property being renovated, including existing walls and roof
All new renovation works, temporary works and materials on site
Automatic cover for injury to contractors, visitors and neighbours
Owned and hired-in plant, including ongoing hire charges if stolen
Contractual liability under the Party Wall Act 1996 where applicable
WHY YOU NEED IT
It's not just fire and flood you need to worry about
Essentially, it’s just not worth leaving your project uninsured. Here’s what can go wrong - and why cover matters at every stage.
Collapse During Opening Works
Knocking through to create a new opening is one of the highest-risk moments in any renovation. A Protek policy covers collapse of the existing structure, which home insurance will not.
Theft of Materials & Plant
A mini digger can cost £16,000 or more to replace - and if you've hired it, you may be liable for continual hire charges until it's replaced. Remoteness of a site adds to the risk.
Liability for People on Site
Anyone on your site - invited or not - is potentially your responsibility. Injury claims are typically large and can result in prosecution. Employers' liability is automatically included.
COVER FOR EVERY RENOVATION
Built for every type of renovation project
From a full house gut and rebuild to a kitchen extension or loft conversion, Protek can cover it. We also cover Party Wall Agreement liability - often missed by other insurers.
Occupied Renovation
Renovating while living in your home? Cover is available for occupied properties, protecting both you and the works.
Unoccupied Property
Bought at auction or moving in after completion? Unoccupied renovation properties carry higher risk - Protek covers these too.
Managed Renovation
Using a main contractor to manage your renovation works? Cover is available for fully managed projects, protecting you and the works from start to completion.
Party Wall Agreements
Renovating close to a neighbouring property? If works fall within the Party Wall Act, Protek can include party wall liability cover to protect against claims from adjoining owners.
Ready to protect your renovation?
Get a full quote online in minutes - tailored to your build route and project value.
GETTING COVERED
Simple to arrange - quick online quotes
Our staff have many years’ experience helping people get the right cover in place. The cover is designed to be inherently flexible - both in terms of product options and duration.
Get a quote online
Answer a few quick questions about your project type, build value and duration. Our online system generates a full quote indication in minutes - no obligation, no phone call needed.
Get a quote ›Tailor your cover
Choose the level of cover that fits your project and budget. Select only the elements you need - works in progress, liability, plant cover, existing structure cover - and nothing you don’t.
Renovate with confidence
Receive your policy documents and begin your build knowing your project is protected from day one. Need to extend because your build is running over? Protek offers flexible short-term extensions.
Get started ›FREE RESOURCES
Download our free guides
Not sure what cover you need? Our guides explain your options in plain English - no jargon, no obligation.
FREE PDF GUIDE
Renovation Insurance Guide for Homeowners
A clear overview of the renovation insurance products available through Protek - what they cover, when you need them, and how they work together to protect your project.
Download Free GuideFREE PDF GUIDE
Essential Guide to Renovation & Extension Insurance
Everything homeowners need to know about insuring a renovation - from knocking-through risks to Party Wall liability, written without the jargon.
Download Free Guide
THE EXPERIENCED PROVIDER
The experienced renovation insurer you can rely on
The dedicated team at Protek have 10 years of combined experience in specialist construction insurance. We genuinely understand the risks you face when undertaking a renovation, conversion or extension project.
We work hard to tailor the protection to suit the type of project you are undertaking - this means you are only selecting and paying for the essential elements of cover you need.
COMMON QUESTIONS
Frequently asked questions
When do I need renovation insurance?
Does it replace my existing home insurance?
Does it cover theft of materials and hired-in plant?
What if my renovation runs over schedule?
Is Party Wall liability covered?
COMPLETE YOUR COVER
Thinking about a structural warranty?
A structural warranty covers the property for 10 years against defects in design, workmanship, materials and components. Your lender will require one - mainly because it helps secure their lending risk on your project.
Protek provides both renovation insurance and structural warranties, so you can arrange everything in one place with a provider that understands your project.
10-Year Structural Warranty
Required by most mortgage lenders. Covers major structural defects for 10 years after completion.
Self-Build Mortgage Support
Protek’s renovation policies meet lender requirements for staged-release mortgages - making your application straightforward.
Policy Summary
All renovation insurance cover information at a glance - exactly what is and isn’t included in the policy.
Your renovation deserves proper protection.
Get a full quote online in minutes - or call our specialist team on 0333 456 8030.
✓ A-Rated Insurer ✓ 10+ Years Experience ✓ Covers Occupied & Unoccupied Properties ✓ Occupied & Unoccupied
