3 Vital questions you MUST ask your builder before renovating!

Its great, you are about to start, the renovation is going to look great, BUT……..

Is your home insured?

Sure, the builder has insurance & you have home and contents insurance

BUT are you insured while the renovation is being built?

These are the questions you must ask your builder –

  1. Have you insured the renovation?
  2. Have you insured my existing home?
  3. Have you insured my contents?

When the answer is NO to any of these questions, you need to ring your Home & Contents insurer and ask, when renovating, is my home….

  • Insured for theft, storm, water damage & public liability
  • Are my contents insured?

When they answer NO you need to contact BuildSafe as our Renovators Home & Contents Insurance will cover you.

BuildSafe Renovators Home & Contents insurance is designed for homeowners who have engaged a registered builder to complete renovations or alterations to an existing home.
It covers the builders renovation & your existing home. Plus contents.

Your home has now become a building site and as far as insurers are concerned, a dangerous worksite to insure.

Which is why we were asked to design this unique product.

It comprises 3 sections:

  1. Builders Construction and Public Liability Insurance
    This covers the renovation/extension for the basic protections – fire, theft, storm, water & malicious damage together with Public Liability cover.
  2. (Existing) Home
    When renovations/extensions are over eg. $20,000 – $50,000 the home and contents insurer will suspend the home and contents policy because the home has become a building site, a dangerous & prone to theft site & until the project is completed it is outside the scope of the Home and Contents policy.
    Renovators Home and Contents will cover the (existing) home together with the Public Liability component
  3. Contents Cover
    This cover is conditional on the renovation/extension & existing home being insured. As the site is a building site, we have been able to secure an attractive contents cover.

While Renovators Home & Contents Insurance protects you against fire, storm, water, wind damage, malicious damage, vandalism and theft during your renovations or alteration works. It gives you peace of mind across your whole project, whilst protecting your most valuable asset – your home. It also protects you against third party bodily injury, death or compensation arising from the renovation or alterations.

Also your contents are part of the policy.

Don’t take the risk with your biggest investment by not fully insuring your home, renovation & contents.

Get a quick quote NOW

7 comments on “3 Vital questions you MUST ask your builder before renovating!

You bring up a good point in making sure that the builder offers insurance while the renovation is being done. I wouldn’t have thought to make sure that the renovation would be insured while it was being built but I can see how that would be important. I’ll also have to make sure that the contents of my home is insured as well. Thanks for the informative post.


My wife and I have been planning a renovation in our home. I just want to make sure that we have everything ready. I’ll have to ask the builder whether or not everything is insured! That would definitely take a load off of my mind.


This is a really great product that some people don’t realise that they should be using. The last thing you want it to make a claim and have it rejected because it does not cover when your home is being renovated.


Thanks for sharing some tips for finding the right custom home builder. My husband and I have recently purchased some land, and we would love to build a home there.Excellent post. I want to thank you for this informative read


Great article! Thanks for sharing points before renovating.


Brilliant ideas and information you have here. Thank you.


Very expressive and easy understandable blog you have shared. I think you are one of them who are very clear about how to express the ideas and views. Thank you for sharing this kind of blog.


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