Insurance Considerations for Your Self-Build Project

Building your own home is exciting—but it comes with risks. The right insurance protects your investment, your site, and yourself throughout the journey. Here’s a breakdown of key self-build insurance types to consider:

• Buildings Insurance – Covers the cost to repair or rebuild your completed home.
• Contents Insurance – Protects personal belongings inside the finished property.
• Contract Works Insurance – Covers damage to the structure during construction.
• Employers’ Liability Insurance – Required if you hire workers directly; covers injury or death on site.
• Existing Structure Cover – Protects part-built or existing buildings on your plot.
• Hired-In Plant Insurance – Covers hired machinery and potential hire charges.
• Legal Expenses Insurance – Helps with disputes involving contractors, utilities, or squatters.
• Materials Insurance – Covers theft or damage to building materials you own.
• Owned Plant Insurance – Protects your own machinery and equipment.
• Personal Accident Insurance – Provides financial support in case of serious injury or death.
• Personal Belongings Insurance – Covers items stored on site during the build.
• Public Liability Insurance – Protects against claims if someone is injured on your site.
• Structural Warranty – Offers 10 years of protection against defects in design, materials, or workmanship.
• Temporary Buildings Insurance – Covers damage to site cabins or temporary structures.
• Tools Insurance – Protects portable tools owned by your team.

Choosing the right cover depends on your project’s scope and your risk tolerance. Explore our full range of self-build insurance options on our website to protect your dream home from day one.

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