Does home insurance cover your loft conversion?

Answer 1

The question needs a bit more definition and is complex enough that it should be reviewed with a qualified insurance agent to discuss your specific circumstances and requirements.

If you are referring to coverage for damage during the renovation of a space to become a loft apartment then it would depend upon whether you currently occupy the space as a residence or not.

A Builder's Risk form is more appropriate for property in due course of construction and would better address a gut rehab. On the other hand a typical Tenant's form would cover some, but not all, of the potential exposures.

If you're using a contractor then the written agreement should define who is responsible for what and when as the responsibility could change based upon whether the raw materials have been installed or not.

Don't overlook the Liability exposure as well. The client should require that the contractor provides General Liability insurance protecting both the contractor and client.