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Home improvements that affect your insurance policy

Carrying out renovations on your home is a great way to add value to your property as well as improve your quality of living.

When you’re in the middle of a building project there’s a lot to think about and things can very easily get forgotten. Once you’ve settled into your new environment however, it’s very important to let your home insurer know about the renovations you have made. Failing to do so can invalidate your policy which is something that many people have sadly been caught out on.

Below is a list of some of the home improvements that you must let your insurer know about.


The roof 

Letting your insurer know that you have a new roof can actually save you a lot of money because it’s one of the biggest factors affecting your policy. A new roof will help to protect your home against severe weather conditions which means that you’re less likely to make a claim and as a result, your premiums should go down.

A new office 

Many of us are now choosing to be our own bosses and work from the comfort of our homes. This means that an increasing number of people are building home offices so they have somewhere they can retreat to, free from distractions.

If you choose to do this, it’s important to let your insurer know because they need to assess whether or not they will cover the assets of your newfound business. Most home owner policies will protect equipment for home-based businesses but will only go up to a certain amount. This might not be enough for a business that uses specialised machinery or stores a large amount of supplies or stock.

This doesn’t mean that you can’t get covered however, you may just need to adapt your policy accordingly or take out an additional business policy.

More living space

 With house prices continuing to rise, it’s making it harder for people to move up the property ladder. As a result, more we’re waiting longer to upgrade or are simply opting to extend our current living space as it’s cheaper than moving.

Naturally, doing this will increase the value of your home so it’s very important to notify your insurer. Don’t leave it until after the renovations to notify your insurer about this one however because say a fire occurs halfway through your building work, you won’t be covered for this unless your insurer already knew about your plans and you were covered for them.


New windows

 Having new windows installed is another way you may be able to reduce your home insurance payments. If you currently only have single glazing for example, by getting double or secondary glazing, you are making your home more secure and therefore you may be able to pay less insurance.

Do remember to be careful to close all windows and doors when you leave the house because if someone breaks in and they didn’t have to use forced entry, there’s a strong possibility that your insurer won’t pay out. Installing window shutters is a great way of adding extra security to your windows because it makes it harder for potential burglars to see if anyone is home or not.

Please note that the list above is not exhaustive and you should let your insurer know about any home improvements you make. Even if you don’t think it will affect your policy, it’s always good practice to double check so you’re not inadvertently left uninsured.

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