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Do you know what’s insured when you’re renovating?

December 13, 2017 1 Comment

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By Laura Crowdenย 

When renovating, plans, supplier choices, building works and selections obviously play a big part in the project management but another important necessity is ensuring you have suitable home and contents protection. Without it, you could be left with unnecessary costs should the unthinkable happen.

Understanding the terms and conditions of your policy is vital as not only could you be underinsured, a claim could be deemed ineligible if you donโ€™t meet certain criteria outlined by your provider.

So as a renovator, what should you look for when it comes to insurance? Thanks to iSelect, we have a list of doโ€™s and donโ€™ts to ensure you arenโ€™t caught out.

DO

  • Check your existing home insurance policy covers renovations. If it doesnโ€™t, find out what policy or level of cover incorporates renovations. Itโ€™s also a good idea to do research into what other providers can offer to ensure you are getting the best value.ย 
  • Verify the maximum cover available if you were to put in a claim during the period of renovations.
  • Make sure your builder has adequate work insurance cover (separate to home and contents insurance). For those planning to take on works themselves, make sure you take out domestic building insurance to cover yourself financially.ย 
  • Keep your house protected during the period of renovations through general upkeep such as mowing the lawn, collecting the mail, leaving lights on and only having expensive fittings installed when the house is secure or someone is residing within it.ย 
  • Post renovations, re-evaluate your sum insured as presumably the value of your home and contents is likely to have increased.

DONโ€™T

  • Assume that your current house insurance covers all facets. As our circumstances change, certain amendments and inclusions can go unmissed if you donโ€™t regularly review and update your cover.
  • Leave your home and contents unprotected during renovations through lack of security or exposed entrance ways – this too could hinder a claim should something be damaged or stolen.ย 
  • Assume your existing home and contents provider will give you the best deal for a policy when renovations are finally completed. It pays to compare providers before locking in an agreement.ย  ย 
  • Move out for an extended period without checking your policy. There are some policies that consider cover redundant if you are living elsewhere for an extended period while works are underway.

Preparation is key โ€“ so for peace of mind, that extra bit of due diligence can certainly pay off to ensure your most valuable asset is protected. If you are planning a renovation and want to find a suitable insurance provider, visit iSelect for further information.

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Not many friends in life fall into the unofficial Not many friends in life fall into the unofficial family category and they're a special gift. So ends three weeks with @danisteve81 who left her husband and son in the UK (I'm forever grateful they lent her to me!) to come and cheer me up and help me in the most practical ways after I spent Christmas and New Year in hospital. There were tears and I miss her so much already but how amazing to have had all that time together as adults. Such a rare treat and would never have happened without having been through something so challenging. Silver linings and all that. So many other friends have also been incredibly thoughtful and kind. There aren't many times I'd say this without cringing but I am 100% blessed!

I still cannot believe we have been friends since we were 12! 12! Are you still close with your childhood besties?
The renovation of this 80s beach shack @camillo_ho The renovation of this 80s beach shack @camillo_house is a work of art and while almost every surface was updated, the decision to keep the original slate floor was genius if you ask us. 

Owner @clarehillier__ says: "With its purple, pink, red and brown tones, the slate was the starting point for our interior palette."

Come and check out the before and afters via link in bio now and read the reno story. It's a real beauty.

And you can book it for your next holiday too!

Blair Smith Architecture @kateshanasy

#slatefloor #slatefloors #80shouse #80sbeauty #camillohouse #interiorsblog #interiorsblogger #interiorsaddict #theinteriorsaddict #jenbishop #realreno #holidayhousesofinstagram #morningtonpeninsulahomes #morningtonpeninsula #morningtonpeninsulasmallbusiness #blairgowrie #blairgowriebeach #airbnbstyle
Me and my boys ๐Ÿ’— Me and my boys ๐Ÿ’—
Just a couple of dorks who've been friends for thr Just a couple of dorks who've been friends for three decades going out for a child-free dinner ๐Ÿ’“๐Ÿ˜
Excuse me while I die of a cute attack ๐Ÿฅฐ @damia Excuse me while I die of a cute attack ๐Ÿฅฐ @damianfrancis 

This doesn't happen often these days!
Hello friends! Just thought I'd say hi. Two weeks Hello friends! Just thought I'd say hi. Two weeks since leaving hospital and I'm doing much better than I expected to be at this early stage. A long recovery road ahead but making progress in how much I can move my arm and although I drag myself through some days non-stop yawning, others I can go for a little walk or out for lunch before collapsing on the couch! I can now tie my own hair back and put on a real bra which is very exciting ๐Ÿคฃ Having my bestie here to help us with the boys, drive me places and just be brilliant positive company is the best thing I could have asked for not to mention the many Dinner Ladies vouchers from friends! Thanks for all your kind messages, cards, flowers, gifts and offers of help โค๏ธ
I definitely feel like a statistic now but hoping I definitely feel like a statistic now but hoping to raise some awareness off the back of my misfortune (and also very lucky escape).

@newsouthwaleshealth have just put out this warning about a rise in serious bacterial infections. iGAS (invasive group A streptococcus) is what caused my necrotising fasciitis and sepsis.

Apparently there's similar happening in VIC too.

It's extremely rare but very serious nonetheless so please have a read and be aware of symptoms. I've linked to the article from a button via my link in bio.

#interiorsaddict #jenbishop #necrotisingfasciitis #groupastrep #groupastreptococcus #sepsis
While new technologies continue to shape the inter While new technologies continue to shape the interior design scene, one that has been getting a fair bit of traction of late isย marble-look porcelain. A cheaper alternative to natural stone, the latest printed porcelain tile technology makes it difficult to distinguish from the real thing.

Founded by husband and wife duo Anton and Rita Bourtsev, Sydneyโ€™s @kaolintiles has a unique offering in this space with over 100 different marble-look tile designs in small and large formats.

More via link in bio now.

#porcelain #porcelaintile #porcelaintiles #largeformattiles #largeformattile #marblelooktiles #bathroomtrends2023 #interiorsaddict #theinteriorsaddict #heartyourhome #realrenovations #goldsink #brasssink #jenbishop #kaolin #kaolintiles #interiorsblog #interiorsblogger
Promise this is the last wretched hospital photo I Promise this is the last wretched hospital photo I'll post and I hope to be home and with my lippie back on by Monday. You know it's serious when I'm lipstick free, right?!

This was about a week ago in intensive care. And although my arm is still bloody sore I'm now on a normal ward and no longer attached to any drips, drains or a catheter. I've come a long way.

This has been the most physical and mental challenge of my life but I'm through the worst. I kept my arm. The doctors saved my life.

I cannot say it enough times. If you're worried about your health, don't hang around. Things can change so quickly. 

A huge thanks to my amazing husband @damianfrancis We've had the hardest year yet and our marriage has never been stronger, even if my rings did get cut off my finger in hospital ๐Ÿ˜œ

As great of a job as he is doing at home with the kids, I cannot wait to get home now. Countdown is on to a new year and a fresh start.

And I can't say enough just how overwhelmingly grateful I am to all the medical professionals involved in my care, from the @healthdirectaus nurse who sent me to Emergency to the exceptional surgeons, doctors, nurses and support staff.

Happy New Year, everyone. Remember you never know what's around the corner and this is not a dress rehearsal!

And huge thank you for all your kindness here. Has been amazing while stuck in bed.

Xxx

For those who missed it, I was unlucky enough to get necrotising fasciitis. You'll have to Google it.
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About Jen Bishop

Jen Bishop is our owner and publisher and an experienced journalist and editor. Interiors Addict has been her full-time job for more than 8 years. She is married to Damian and mum to Sebastian and Charlie.

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Comments

  1. AvatarDakwerken says

    December 20, 2017 at 11:13 pm

    Informative post! This article will be very useful for the one who is looking forward to renovate their house. ๐Ÿ™‚

    Reply

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