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What is Self-build Insurance?

If you are building a new home or renovating and extending an existing property you will need to take out specialist insurance to protect you and the home that you are building.  This will cover the existing structure, the building works and liabilities from the moment you exchange contracts on the property right up to the point the home is completed.

Why do you need Self-build Insurance?

Protect your investment. Things can go wrong during the build phase and you want the funds released to rectify any damage immediately. You need a specialist self-build policy as a standard home insurance does not provide you with the cover you need to adequately protect your property and your liabilities.

Main benefits of a Self-build insurance policy?

  • Physical loss or damage to the works, materials, plant, tools and equipment
  • Covers Liability if you cause injury to a person or damage their property
  • Flexible policies allowing you to pick and choose duration of policy
  • Legal Expenses
  • Personal possessions cover

Do you need insurance while building a house?

If you are employing people directly to work on your project then you will be required to have Employers Liability insurance by law. If you take out a mortgage to fund your self-build project, the mortgage provider may want you to take out self-build insurance before they lend you the money. This helps to protect their investment.