Renovating a high value home in the UK is a substantial investment, both in terms of time and money. Whether you’re restoring a historic house or modernising a luxury penthouse, it’s crucial to protect your investment with the right insurance coverage. In this blog, we’ll explore High Value Home Renovation Insurance in the UK, what it covers, and why it’s a wise choice for homeowners embarking on upscale renovation projects.


Understanding High Value Home Renovation Insurance 

High value home renovation insurance, also known as renovation insurance or home improvement insurance, is designed specifically for homeowners undertaking substantial renovation projects. These policies are tailored to address the unique risks and challenges associated with renovating high value properties.


Why do I need high value home renovation insurance? 

  1. Protection for Your Investment: Renovating a high value home in the UK can be a significant financial commitment. High value home renovation insurance provides protection in case of unexpected damage to the existing structure and / or contract works.


  1. Comprehensive Coverage: Unlike standard home insurance, which may not cover renovation-related risks, high value renovation insurance is designed to address the specific needs of your project. It can cover the existing structure, contract works and your liability as the property owner.


  1. Legal Requirements: Depending on the scale of your renovation project, your local authority may require you to have adequate insurance coverage in place. Failing to comply with these requirements can lead to legal complications and delays.


  1. Peace of Mind: Renovating a high-value home often involves complex work, and things can go wrong. Knowing that you have insurance coverage can provide peace of mind, allowing you to focus on your project without constant worry.


What Does Renovation Insurance Cover?

  1. Structural Damage: This covers the cost of repairing or replacing the existing structure in case of damage during the renovation, whether it’s due to fire, storm, water damage or other specified perils.


  1. Contract Works: Protects the materials and supplies on-site, from theft, damage and other specified perils.


  1. Public Liability: Provides coverage if someone is injured on your property during the renovation, protecting you from potential legal claims.



Renovation insurance is a necessity when undertaking significant property upgrades or renovations. Renovating a luxury home involves substantial financial investment, and unforeseen challenges can arise at any stage of the project. Having the right insurance coverage in place ensures that you can protect your investment, manage risks effectively, and enjoy peace of mind while transforming your high value property into the home of your dreams. Before you start your next renovation project, make sure to consult with an insurance expert to secure the right coverage for your needs.