Coverage Basics for Home Renovations and Insurance
Thinking about a loft conversion, a new kitchen, or a garden makeover? The first thing most people forget is coverage. Without the right protection, a small problem can turn into a big wallet‑drainer. This guide walks you through the main types of coverage you’ll encounter, what they actually cover, and how to pick the best option for your project.
Understanding Different Types of Coverage
There are three big buckets you’ll run into: building insurance, homeowner’s insurance, and specialist project coverage. Building insurance usually protects the structure itself – walls, roof, foundation – against things like fire, storms, and accidental damage. Homeowner’s insurance covers the contents of the house and personal liability, but it often excludes major structural issues. That’s where specialist coverage steps in, filling the gaps for things like loft conversions, major foundation repairs, or custom furniture installations.
For example, a recent post about building insurance and broken pipes under the foundation showed that many policies skip underground water damage. If you’re planning a bathroom remodel, you’ll want a rider that specifically mentions pipe work. Similarly, loft conversion guides point out that consent paperwork can affect insurance terms – the insurer may require proof that the conversion meets local building codes.
Another common blind spot is coverage for temporary storage of furniture. When you move a sofa or store a corner sofa during a renovation, standard policies often consider that a “personal item” and may not cover damage in a storage unit. Adding a short‑term storage endorsement can protect against loss, theft, or moisture damage.
How to Choose the Right Coverage for Your Project
Start by making a list of every element of your project: structural changes, new installations, and any temporary storage. Then match each item to a coverage type. If you’re unsure, ask the insurer for a clear breakdown of what’s excluded. It’s better to get a written confirmation than to assume something is covered.
Next, compare quotes. Don’t just look at price – check the limits, deductibles, and any extra fees for endorsements. A lower premium might mean a higher deductible, which can bite you later if a claim arises. Look for policies that offer a “no‑gap” guarantee for the specific work you’re doing.
Finally, keep all receipts, contracts, and permits organized. When a claim is filed, the insurer will want proof of the work and the cost. Digital copies stored in a cloud folder work just as well as paper files. If you hire a contractor, ask them to provide proof of their own insurance; that coverage can sometimes be transferred to you if the work goes wrong.
By following these steps, you’ll avoid the nasty surprise of discovering that your renovation isn’t covered after the fact. It takes a little extra time up front, but the peace of mind is worth it.
Need more details? Check out our articles on “Building Insurance: What’s Not Covered When It Comes to Foundation Repair” and “Average Loft Conversion Cost in New Zealand (2025)” for real‑world examples and cost breakdowns.
