Building Works Insurance

Your home is probably your most valuable asset. If you plan to carry out renovation or building works, it is essential to ensure your property and investment are fully protected.

Specialist Building Renovation Insurance

If you are carrying out improvements or building works to your home, it is vital to get the right protection in place to ensure you are covered should the worst happen. This should include the cost of the works and materials on site before they are incorporated into the building. 

We can help arrange building works insurance that provides comprehensive cover for your existing structure and contents, along with the works and materials used while they are taking place. This will ensure you have the right level of cover against the increased risks associated with a high-value building or renovation works, to help you protect your biggest asset – your home.

Why You Need Building Works Insurance

Home renovations can be complex projects with many potential pitfalls or problems. While works are being carried out, your home could be exposed to the elements or become structurally unstable or vulnerable to theft, as well as putting your faith in contractors to keep it safe and secure. 

Building works insurance provides cover you for the things that might go wrong while your renovation is being carried out. While most contractors have insurance for the works on your home, it might not protect you in all circumstances. This might mean that you are not covered for things like:

Getting specialist building works insurance will provide protection and peace of mind that should the worst happen. You will be covered for all damage, future works and repairs to put things right.  

Building Works Protection

When planning work to your home, it is essential to discuss the subject of insurance with your architect or contractor and your home insurer to ensure that you will be adequately protected in the event of an incident. 

If a formal contract is being signed, this will usually have specific obligations regarding the arranging the insurance, with varying responsibilities on yourself as the homeowner, and the contractor, to make arrangements.

It is a common requirement that the insurance is arranged in both parties’ joint names. With your home’s value at risk, you want to be sure you are fully covered for your existing home, and the building works project, with no gaps in coverage. We can provide you with this peace of mind.

Why Lumley?

At Lumley Insurance, we are passionate about helping you protect your world and everything in it.

While insurance can be complex, we try to keep things simple to give you advice you can rely on, backed by exceptional levels of customer service and discretion.

We have developed longstanding relationships with a trusted panel of market-leading insurers. This means we have access to the best insurance products for discerning and distinguished clients and direct access to senior personnel in the event of a claim, to make the entire process as pain-free as possible.

Whatever your insurance needs, we will be there to represent and reassure you at every stage of the journey, from taking out the right policy to making a claim, to guarantee protection and peace of mind.

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