What home insurance can you get during renovations?

[Onemoreandyouroff]

I warned you I was goinng to be a regular now I've got a "project" house !

Just been working through all the pre-purchase admin and thought I'd better check with the Insurance people that they'd insure a property with a pre-existing condition (ie probable dry rot) through renovation. They said they wouldn't and warned me that it was unlikely that anyone would !!!!! I obviously need home cover in order to get mortgage agreed.

I will be living in the property at all times whilst renovations are carried out.

Has anyone come across a decent mortgage broker that can cover this or got any other ideas how to jump through this particualr hoop

Thanks

Guy

 

[Static]

I doubt anyone on here know about south american brokers.. sorry

 

[RedHerring2]

Hmm, looks like the OP has moved overnight. Obviously South America didn't suit.

I don't know about UK brokers but my own house insurance in France (with a French broker) covers the obvious risks during renovation, but it isn't standard.

You need to decide if you are doing the renovations yourself, in which case you'll be liable (& need insurance) for mishaps, or if builders are carrying out renovations they should have their own insurance.

Incidentally, it is only a gentleman's agreement between insurance companys to only insure in each respective country. At least, that applies to car insurance, I assume there's no difference to property insurance.
So, in theory, there's nothing to stop you using a French (Irish, Spanish, etc.) insurance company.