Contract Works Insurance

Protect your home and materials during a renovation or new build.

Request a call-back
Call us on 0800 100 200

Who uses Contract Works insurance

We cover homeowners and builders taking on residential builds or renovations. We’re here to help protect your home build from the unexpected.

When to get Contract Works cover

Building a new home

When you're starting fresh, home insurance usually won’t cover the new build until it’s complete. Contract Works protects your investment by bridging the gap, so your home and materials are covered during construction.

Living through renovations

Living in your home during a renovation and have home insurance with us? Contract Works can protect the work underway and the materials, so you can sleep easy.

Renovating an empty home

Even if no one’s living in there and you don’t have home insurance, your renovation still needs protection. Contract Works covers your home for damage or loss while it’s being improved.

Call us on 0800 100 200

This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.

What’s covered with Contract Works insurance

What's included

What’s included

What’s included

Materials and equipment on site
Damage caused during the construction and maintenance period
Materials in transit and storage
Increased labour and building costs during construction
Professional fees
Demolition and debris removal
Temporary buildings
Natural disaster damage
Impending damage protection

Optional benefits

Optional benefits

Completion cover (up to 30 days)

Optional extra

Existing structures

Optional extra

What’s included

What’s included

Materials and equipment on site
Damage caused during the construction and maintenance period
Materials in transit and storage
Increased labour and building costs during construction
Professional fees
Demolition and debris removal
Temporary buildings
Natural disaster damage
Impending damage protection

Optional benefits

Optional benefits

Completion cover (up to 30 days)

Optional extra

Existing structures

Optional extra

Policy wording

Request a call-back
Call us on 0800 100 200

This is a summary only, for a full list of the benefits as well as exclusions and other terms, read the policy wording.

Next steps after your build’s finished

Get your home insured

Now that your house is complete, you’ll want to protect it with home insurance that reflects the finished build. Ask your builder for a replacement cost estimate, then check it against the home sum insured calculator.

Update your contents cover

Bought some new furniture or upgraded appliances? It's a good time to check your contents insurance and ensure you have cover for your new things.

A few questions answered

Delays are common with building projects. Weather, supply issues, or trades being behind schedule can all affect the timeline. Discuss timings with your builder and choose a policy term that gives you some breathing space. If your project takes longer than expected, we’re here to help. Just give us a call and we can extend your cover.

If you’re doing alterations and already have home insurance with us, you may need Contract Works cover. Give us a call on 0800 100 200 and we’ll help you find the best option for your situation.

If you’re a builder or business owner and need cover for a building project, see our Business Contract Works page.