Home insurance during building work

[Markbon]

Hello. I wondered if anyone has any recommendations for insuring the house while works are being done. Im finding it hard to find a company willing and when I do its not very good cover or very expensive.
Cheers

 

[blup]

If the house is unoccupied while the work is being carried out it will be more expensive than normal home insurance.

Blup

 

[mrrusty]

It's certainly available, although can't remember who we used. 2 years unoccupied while work carried out. Theft was minimal cover, but covered main risks.

 

[Notch7]

Hello. I wondered if anyone has any recommendations for insuring the house while works are being done. Im finding it hard to find a company willing and when I do its not very good cover or very expensive.
Cheers

Your starting point will be to get a copy of the contractors insurance and any sub contractors.

If you are having foundation ps dug, ensure the contractor has services damage cover.

Have you tried his or extension insurance

I think it's all risk insurance

 

[Markbon]

Thanks for replies everyone. I got an ok price in the end. Im living there so that so that helped. The problem was when I did the initial search and it gave me a choice of companies. Then at the end of checking and agreeing to everything for an hour it said it couldn't provide cover.
I would be interested in getting cover for the actual work once its started. Im not sure if your public liability covers you on your own place either.

 

[mrrusty]

I would be interested in getting cover for the actual work once its started

If you are using a contractor, mostly not your problem (unless the contractor doesn't have insurance). You insure your property against fire etc. unconnected with the actions of the contractor. Contractor insures against public liability (damage to you and yours), employers liability (damage to his workforce), possibly professional indemnity (if the contractor is also providing design and professional advice).