Building Works for Homeowners

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Why you should consider insurance for building works

If you own property across the Channel Islands, Islands can ensure you have the appropriate insurance for your needs. There are a number of risks that homeowners are faced with when undergoing building works which can include fire and storm damage, personal and third party injury, or even unexpected damage to property. Whether you are simply extending your property or developing a new home without contractor’s insurance, ensure the refurbishments and development is covered adequately.

At Islands, we understand the importance of having a tailored insurance policy that covers the building works from start to finish, covering the costs to repair, or having to redo the work. Not all refurbishments and extensions to your home will be covered by the contractor, so it’s very important to ensure you have the appropriate cover for building works in place in order to protect your financial outlay.

Covers & benefits provided

Our building works insurance for homeowners is extensive and designed with Channel Islanders in mind.

Contract Works

The intention of these policies is to cover the cost of your development, including unfixed and fixed material, against damage from an insured peril such as fire, flood or storm damage throughout the build period. This could represent a large investment on your behalf and you need to make sure this is properly protected.

Public Liability

Coverage for third party injury and property damaged (including legal fees). Whether someone has been injured onsite or there is unfortunate damage to a neighbour’s property, it’s important to make sure you are adequately covered for these unexpected scenarios.

Non-negligence Liability

Protection against neighbouring properties from damage not attributable to a negligent act. These things unfortunately happen and even the cost involved to defend the position could be vast.

Standard Coverage

Your policy will generally cover you for a number of insured events, such as:

  • Fire
  • Lightning
  • Explosion
  • Earthquake
  • Flood
  • Storm
  • Malicious Damage
  • Theft
  • Accidental Damage

Expert Insurance for Your Needs

Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.

Discover Personalised Protection

Why choose Islands?

Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our community

We are proud to support the local community through several sponsorships and partnerships, helping to protect our rich heritage and take care of our beautiful islands.

In-House Claims Team

Friendly, experienced local claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

Request a callback

Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.

Need help? Get in touch!

Our friendly team is ready to help with any questions or support you need. You can contact us at any of our local offices:

Alderney Office
Open: Monday - Friday 08:30-16:30 T: (01481) 824 100
Guernsey Office
Open: Monday - Friday 09:00-17:00 T: (01481) 710 731
Jersey Office
Open: Monday - Friday 09:00-17:00 T: (01534) 835 383

Our expert advisors are here during office hours to chat about what you need and find the best solutions for you. If it's outside these hours, just leave us a message. We'll get back to you as soon as we can.

Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney