CONSTRUCTION INSURANCE FOR PRIVATE INDIVIDUALS

Are you a real handyman? Building a house, renovating your own house or adding a carport, dormer or conservatory. Although it is a big job, you do not shy away from it. No matter how skilled you are, there are often risks involved. A construction insurance for private individuals can be interesting. For example, consider the following:

It can all happen just like that. And these are risks that are not covered by regular private building, contents or liability insurance.

Fire damage or storm damage to a half-finished floor or garage
Cracks in the walls due to pile driving or excavation work
Water damage to the plasterwork or parquet floor due to a leaking central heating system
The natural stone kitchen countertop or bathroom furniture breaks
Theft of building materials or vandalism

Do I need to take out private construction insurance if I already have buildings insurance?

The construction insurance is a supplementary insurance for private construction work. So, yes. This insurance offers extra security for all the building, renovation and extension work that you do in-house.
Tell me your construction plans and I will look with you for the best policy for your personal DIY situation. Construction insurance for private individuals:

I also ensure rapid handling of damage, so that the construction project is delayed as little as possible.

is always tailored to your personal situation and construction plan
insures all work and liability as standard
always provides expert technical research

I have a contractor. Isn't he insured?

Not such a handyman yourself and have you chosen to hire a contractor to do the work? In this case too, it can sometimes be wise to take out construction insurance yourself.

Not all contractors are insured as standard. Always ask this before you make a price agreement and start construction.

In some cases it is simply more pleasant to arrange the insurance yourself. Then you have the coverage in your own hands plus the advantage that you are not dependent on the contractor's insurance. In the event of damage, you can contact the insurer directly and there is no unnecessary time between all the parties involved. In addition, compensation is paid directly to you. And let's be honest, you pay for it anyway, one way or another. Sometimes insight and control are so nice.

This also applies in situations where you (only) hire a kitchen installer, plumber or a floor layer. All parties who work on your behalf are co-insured. You have no hassle or dependence on the outcome of the blame debate between contractors and insurers.

And really handing over everything is not easy for everyone. We all know someone who hires a contractor, but then also does some work themselves (or gets in the way), right?

Want to know more? We're happy to advise you.

It is also possible that others suffer damage as a result of the work. For example, think of your neighbours' house or garden or the property of someone who helps you with odd jobs. With construction insurance, you are also insured against damage to others.

Contact me for personal and customized advice. I will think along with you in coverage, policy conditions and costs. Read more about private insurance and my approach as an independent advisor.

Please contact me for an initial meeting and free advice.