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What is Renovation Insurance?

Renovation Insurance is a specialist policy that covers your property while undergoing structural work, extensions, or significant internal/external alterations. It ensures you’re protected against common risks such as fire, theft, accidental damage, and liability during your building project.
Whether you're knocking through walls, adding a loft conversion, or completely reconfiguring your space, this cover ensures you're not left exposed if something goes wrong mid-project.
 
Planning a home renovation, extension, or major refurbishment? Standard home insurance often doesn’t provide cover while building work is underway. Our Renovation and House Extension Insurance is built specifically for homeowners carrying out non-standard work—so your property is protected during the process.
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Who needs it?

  • Homeowners extending or altering their main residence
  • Owners of unoccupied properties undergoing refurbishment
  • Buyers planning renovation work before moving in
  • Landlords renovating between tenancies

Most standard insurers will void your policy once building work starts—this is where we step in.

What does it cover?

Your renovation insurance can be tailored based on the scale of work and level of risk. Common cover options include:

Buildings Insurance

Protects the existing structure and any new additions during works

Contract Works Cover

Insures the work in progress, such as new walls, roofs, or foundations

Public Liability Insurance

Covers injury or property damage to third parties as a result of the renovation

Employers’ Liability Insurance

Required if you're hiring direct labour (e.g., self-employed tradespeople)

Unoccupied Property Cover

If the home is vacant during the build, we’ll make sure it’s still protected

Contents Cover (optional)

Protection for any items left in the home during the renovation

Non-negligence Cover (Party Wall Cover)

Optional protection for neighbouring property damage not caused by negligence

Tools & Equipment Cover

Optional cover for personal or hired tools on site

What types of work are covered?

We can arrange cover for a wide range of projects, including:
  • Loft conversions
  • Side or rear extensions
  • Basement digs
  • Garage conversions
  • Structural alterations
  • Full internal refits or reconfigurations
  • Listed building renovations (specialist policies available)
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Why choose Crowthorne for Renovation Insurance?

  • Cover available before, during, and after the project
  • Tailored quotes for small upgrades to full-scale refurbishments
  • We work with contractors, project managers, and architects
  • Fast turnaround on quotes for time-sensitive builds
  • Expert advice on compliance, cover gaps, and risk management
In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

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Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

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Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

Step 3
Independent Insurance Broker

Independent Insurance Broker

UK-Based

UK Based Support

Tailored-Quotes

Tailored Quotes

FCA regulated and Trusted

FCA Regulated & Trusted

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.

Testimonials

What Our Clients Say

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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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