What insurance should I get for a bungalow I wish to demolish and build again?

2 Answers

1. Elinor Davies says:

   15th July 2026 at 3:21 pm

   Hi Lucy,

   Thanks for your question – we will send it along to one of our experts who will hopefully provide a useful answer.

   Best wishes,
   Elinor

   Log in to Reply
2. Simon Middleton says:

   20th August 2026 at 12:29 pm

   Site insurance is designed to be taken out when you exchange contracts on the plot, and it will continue until the replacement dwelling is completed and taken into full use. The policy should respond to the various risks you face throughout the duration of the project.

   Ordinarily on a total demolish and rebuild project, you don’t need to insure the structure of the property but do need to insure against theft of tools, injury to a worker or member of the public, and third-party property damage. However, as you don’t yet have planning permission and there is no guarantee your application will be accepted, you might end up undertaking a renovation or remodel project instead. In this case, you should keep some cover on the fabric of the bungalow until planning permission is established. Most site insurance providers can cater for this via a specific addendum to the insurance policy.

   To get the policy, you must disclose to the providers when demolition and rebuilding work will start on site. As such, you should consider a policy that is long enough to cover the planning period as well demolition and construction works all the way until the property is completed and in use. Remember to insure for ‘professional reinstatement’ rather than your build cost – this will ensure you don’t have to self build the house again in the event of a total building loss. It’s also wise to get a structural warranty in place before you start rebuilding work, too.

   Simon Middleton, Protek

   Log in to Reply