Far from standard.


Residential Building Works home insurance - new and improved from 1 July 2020

Key aspects of the cover

  • We can insure existing structures in joint names for "All Risks".
  • We can insure the contract works, also in joint names, on the same basis as the existing structure.
  • We can insure the home contents against all the standard home insurance perils.
  • We can insure the homeowners' liability risk where a contingent exposure arises from the acts of the contractor.
  • We normally give "all risks" coverage within the scope of a broad wording, nominal excesses and a very limited number of policy restrictions.
  • We normally encourage clients to use HomeWorks irrespective of the joint names clause. This gives the client;
    • Coverage for both the existing structure, the works and materials on a first party basis
    • A consistent basis of settlement
    • Only one insurer and one loss adjuster applies
    • Only one excess
    • Removal of grey areas as to what is existing structure and what is works or materials at the time of loss
    • Only one point of contact to resolve the claim
    • Option to extend coverage to insure "non negligence" type exposures

Please note that this summary is not intended as a full list of our policy conditions and exclusions. For full terms, conditions, exclusions and limitations please refer to our key facts and policy wording, available at the Document Centre.

© Copyright @ 2020 Plum Underwriting Ltd. All rights reserved.
Plum Underwriting Ltd is authorised and regulated by the Financial Conduct Authority No 309166. Registered at 50 Fenchurch Street, London, EC3M 3JY. Company number 04509589.

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