{"id":269600,"date":"2025-06-03T01:33:29","date_gmt":"2025-06-03T01:33:29","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/my-renovation-is-covered-under-my-home-insurance-right-wrong-3\/"},"modified":"2025-06-03T01:33:29","modified_gmt":"2025-06-03T01:33:29","slug":"my-renovation-is-covered-under-my-home-insurance-right-wrong-3","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=269600","title":{"rendered":"My renovation is covered under my home insurance, right? Wrong"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>\n                    My renovation is covered under my home insurance, right? Wrong                <\/p>\n<\/p><\/div>\n<div>\n                            <img decoding=\"async\" class=\"article-img\" src=\"https:\/\/www.renovationunderwriting.com\/wp-content\/uploads\/2022\/03\/AboutUsPartners.webp\" alt=\"\"\/><\/p>\n<p>It is an easy assumption to make. Your home insurance covers your buildings, so when work is being done on those buildings, your home insurance will cover for you for any damage. Sadly, this is a dangerous and false assumption.\u00a0In our experience, 86% of people make that assumption when they are having renovation works done. It appears to make sense. In reality, it is almost certainly wrong.<\/p>\n<p>Your home insurance might allow you to carry out work, often up to a certain value. That just means your existing cover is not invalidated, although for many policies your home insurance is invalidated if you do not tell them, and you can suddenly find that not even your household possessions are insured.<\/p>\n<p>It is possible that if you speak to your home insurer before you have renovations done, and ask them. \u2018Am I still covered?\u2019 they will say yes. All they mean is that your<br \/>buildings are still covered on a very basic level \u2013 if there is a fire or flood for example.\u00a0Let\u2019s look at some examples of what they don\u2019t mean.<\/p>\n<p><strong>You won\u2019t be covered if your contractor damages your building<\/strong><br \/>Let\u2019s say your builder is working on a wall and it collapses. Your home insurance won\u2019t cover you for it. And your builder\u2019s insurance might not either, if it is not clear they were negligent. Even if they were negligent, they might not want to admit this and make a claim to avoid higher premiums in future. If they make a successful claim it may be that the resultant funds don\u2019t come to you.<\/p>\n<p><strong>You won\u2019t be covered if your home needs to be rebuilt<\/strong><br \/>The ceiling example does not sound too bad, but if something bigger goes wrong \u2013 say a chimney stack collapsing through your roof and all the way to the ground floor \u2013 your entire house could be catastrophically damaged, to the point where it needs to be entirely rebuilt. Your home insurers would almost certainly say that they\u00a0are not liable, in which case you could be facing costs far beyond your ability to pay them \u2013 a life-changing catastrophe.<\/p>\n<p><strong>You won\u2019t be covered if building materials are stolen or damaged<\/strong><br \/>If your building contract does not specify who should insure materials then it is likely that your home insurer won\u2019t cover them if they are damaged or stolen. Most builders don\u2019t carry insurance for site materials unless they own them, so if you have paid for them they are almost certainly uninsured.<\/p>\n<p><strong>Please do not rely on home insurance for Renovations<\/strong><\/p>\n<p>As these scenarios show, you cannot depend on your home insurance when you undergo renovations. Even when home insurers \u2018note\u2019 that work is taking place and agree to continue cover, they will have a specific exclusion that says \u2018any loss or damage relating to the works is excluded\u2019. Which means that your existing home could be damaged in various ways but your home insurer would not cover it, on the basis of that exclusion.<\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>My renovation is covered under my home insurance, right? Wrong It is an easy assumption to make. Your home insurance covers your buildings, so when work is being done on those buildings, your home insurance will cover for you for any damage. Sadly, this is a dangerous and false assumption.\u00a0In our experience, 86% of people [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":185940,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[23593,1159,11034,22402,6773],"dealstore":[],"offerexpiration":[],"class_list":["post-269600","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-covered","tag-home","tag-insurance","tag-renovation","tag-wrong"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>My renovation is covered under my home insurance, right? Wrong - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=269600\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"My renovation is covered under my home insurance, right? Wrong - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"My renovation is covered under my home insurance, right? Wrong It is an easy assumption to make. Your home insurance covers your buildings, so when work is being done on those buildings, your home insurance will cover for you for any damage. Sadly, this is a dangerous and false assumption.\u00a0In our experience, 86% of people [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=269600\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-03T01:33:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/04\/AboutUsPartners.webp.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"347\" \/>\n\t<meta property=\"og:image:height\" content=\"223\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=269600#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=269600\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"My renovation is covered under my home insurance, right? 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