We specialise in property upgrades and solutions for oceanfront property owners. We also can and do work with all manufacturer products.
When you’ve just finished a renovation, there’s nothing more exciting than stepping back to admire your refreshed home. Whether you’ve opened up the kitchen, added a loft conversion, or built that much-needed extension, the last thing on your mind is insurance paperwork. But here’s the thing—after a renovation, your standard home insurance may no longer give you the right cover. That’s where converted home insurance steps in.
In this post, we’ll break down how it works, why it’s important, and what you need to know to protect your property after a renovation.
Contact us TodayMany homeowners assume their standard policy automatically updates after renovations. Unfortunately, that’s rarely the case. Here’s why converted home insurance matters:
Increased rebuild value – Renovations often raise the cost of rebuilding your home. Without updated insurance, you could be underinsured.
Structural changes – Adding rooms, knocking through walls, or converting lofts all affect the way insurers view risk.
Specialist materials or features – Bespoke kitchens, luxury bathrooms, or modern energy-efficient systems may not be covered under your old policy.
Peace of mind – You’ll know your home is properly protected, rather than hoping your insurer will honour claims under outdated terms.
It’s best to let your insurer know before renovations start, not after. This is because:
Some insurers require specialist cover during the works.
Your standard policy may not protect you if the house is unoccupied while builders are working.
Waiting until after the project is complete could leave you uninsured in the meantime.
Failing to update your insurance can be risky. In the event of a fire, flood, or burglary, your insurer may reject the claim on the grounds that the property details no longer match the policy. In short: you could be left footing the bill for expensive repairs or replacements.
Not for cosmetic changes like redecorating, but yes for structural changes, extensions, or upgrades that add value.
Not always—but if the rebuild cost rises or the property becomes more complex, your premium may increase. Remember, that’s the cost of proper protection.
Yes. In fact, many homeowners switch insurers after renovations to get better cover for their updated property.
Book in TodayRenovating your home is exciting, but don’t let the buzz of a new kitchen or loft conversion overshadow something as important as insurance. Converted home insurance makes sure your property is accurately covered, giving you peace of mind that your investment is safe.
If you’re planning a renovation or have just finished one, why not chat with us at Coastal Property Improvements? We’ll help you bring your vision to life—and remind you of the little details that make a big difference afterwards.