Before you make changes to your property, you might want to check whether your existing home insurance is enough to cover any building work. If not, a specific home extension policy may be needed to protect your investment.
We’ve designed this guide to insuring your home extension to help you make sure you’ve got everything you need in place before works start.
We’ll be covering why homeowners are choosing to renovate, providing you with a helpful checklist to renovating your house and explaining why home renovation insurance is essential.
There’s a range of reasons why people decide to renovate their home. Many see it as creating a “forever home”, which they can add to and adapt over time to suit their changing needs.
This could be if they’re having children and need extra room, or they simply want to have more space in their home. People are using extensions to create a home that fits around the different stages of their life, so they don’t have to go through the upheaval of moving.
Sometimes, renovating is done for financial reasons, like:
One of the biggest renovation projects you can take on is building a home extension. But it’s also one of the most rewarding - financially and emotionally. Your home will be worth more and you should love living there more.
It’s not without its challenges, however, and there’s plenty to think about. Before work starts, you might want to consider having home insurance – specifically buildings insurance – in place.
A buildings insurance policy isn’t designed to cover large-scale changes to your home. However, it does cover you against the day-to-day risks you might encounter while your home turns into a building site.
Another challenge you may face is deciding how big you want your extension to be – and whether you’ll need planning permission to add it onto your home.
This is where you’ll need to contact your local council to apply for a permit to begin building a sizeable extension.
Thankfully, many home extensions fall under permitted development. This is where you’re granted permission to develop your property, without having to contact your local council.
There are classes that define what is and isn’t a permitted development. Home extension falls into Class A, meaning the following size extensions can be built:
*Homeowners can apply for a Lawful Development Certificate to build an extension of 8m - or 6m for semi-detached and terraced housing.
One of the biggest renovation projects you can take on is building a home extension. But it’s also one of the most rewarding - financially and emotionally.
To help you get started on your home renovation, we’ve created a quick checklist of things to do during the planning stage.
All the planning in the world sometimes isn’t enough. Renovating your home brings its own risks that you cannot predict or prevent.
Home renovation insurance is designed to protect you from these unplanned eventualities throughout the project duration when you’re building an extension.
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