Avoid Costly Mistakes – What You Need to Know About Self-Build Insurance

Planning to build your own home? Don’t let common misconceptions about self-build insurance derail your project. Here are key assumptions that could cost you time and money:

“I don’t need insurance until building starts.”
Wrong. You may need insurance from the moment you purchase your plot, even before construction begins.

“My contractor’s insurance covers everything.”
Not necessarily. Always check what your contractor’s policy includes—especially whether it covers the value of your build during construction.

“Home insurance covers renovations and extensions.”
Think again. Many home insurance policies don’t cover major works. Always confirm with your insurer before starting any project.

“Self-build insurance isn’t legally required.”
Partly true. While most types aren’t mandatory, Employers’ Liability Insurance is a legal requirement if you hire anyone directly to work on your site.

“Owning land means I have a self-build plot.”
Not quite. A self-build plot is land you intend to build on—typically demonstrated by planning applications or architectural plans.

Understanding these pitfalls can help you protect your investment and avoid delays. Whether you’re building from scratch, renovating, or extending, make sure your insurance is fit for purpose.

Explore our full range of self-build insurance products on our website and get expert support for every stage of your build.

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