Renovation and Development Insurance

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Protect Your Property While Carrying Out Work

If you're thinking about carrying out structural or cosmetic work on a property or home, you'll need a specialist insurance policy that will give you complete peace of mind during the refurbishment or development process. As a specialist insurance company, Lighthouse Home Insurance can help to protect your home during this time, offering you competitive home insurance that will give you the added security that you're property will be protected even if things don't go quite to plan. 

Cover Your Home Whilst Having an Extension or a Conversion

It is quite common these days to invest in a property in a beautiful location that needs quite a bit of work before you can actually move in. Property development is a popular road to pursue even if it's just to create your dream home or convert an old barn into the perfect holiday or second home. 

Whether you've just bought a property and plan to carry out minor or signification work before you plan to move it or enjoy the space or you're carrying out general home repairs on your current home which you've had to vacate or you're adding an extension to a building or converting a whole part of your house, making sure that you have the right insurance in place is crucial to give you complete peace of mind that even if things go wrong, you will have taken out the right policy to protect you financially. 

At Lighthouse Insurance we can offer cover for your existing structure when you are having any structural works at your home such as an extension or a loft conversion. If your renovations are cosmetic, for example decorating we can offer full cover which includes theft, malicious damage and escape of water.

With many property alterations, un-occupancy can mean most standard insurance providers will increase your premium considerably or will even refuse to quote. Unoccupied homes are considered a greater risk as they're left empty for extended periods of time, meaning an increased risk of damage or vandalism. At Lighthouse Home Insurance we specialise in offering competitive cover in these heightened risk circumstances, so feel free to leave your details below, or give our UK based insurance team a call now for a quick and easy quote over the phone. 

Levels of Cover

We offer 3 levels of cover to help you protect your home from fire, theft and damage. As a specialist home insurance provider, we can offer flexible policies that meet your individual needs.

🏠 Premium cover

Our Premium level of cover will give you complete peace of mind when leaving your property empty. Our most sought after cover will protect your home from theft, damage, escape of water, oil and of course flood. This is our best level of Unoccupied Insurance and is preferred by most of our customers. 

🏠 Standard Cover

Our Standard level of cover protects your unoccupied property from fire, lightning, earthquake, explosion, flood, storm, weight of snow, impact of subsidence, legal liability as well as lock and key cover. If you have a UK holiday or second home that is left empty during the winter, this level of cover will help to protect it during storms, floods and very bad weather. Lighthouse Home Insurance will be by your side to weather the storm and guide you through when things don't go to plan. 

🏠 Essential Cover

Our Essential package will protect your home or property from fire, lightning, earthquake and explosion. You can rely on Lighthouse Home Insurance to keep your property safe from some of the worst unforeseen circumstances.