Relying solely on a builder's insurance can be risky, as their coverage usually only extends to public liability insurance, leaving many damages and issues uncovered.
Many homeowners mistakenly think standard home insurance suffices for renovations; however, these policies often exclude structural alterations exceeding set values, risking significant losses.
It's essential to have insurance that covers your property throughout the construction phase and after, including comprehensive coverage for new works and materials.
Select insurance backed by A-rated insurers and ensure your policy includes protection for tools, equipment on site, and appropriate liability coverage for workers.
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