A building under construction is fragile. During your work, a storm or fire can destroy the site at any time and make you lose a lot of money.
Home insurance, which is free during the works, protects you against a site fire, whether it’s a new build or the complete renovation of an existing home.
But as long as the building is not closed (roof, windows, doors), other risks are not covered. Just imagine that a section of wall collapses during a storm?
And as long as the building is not habitable, the contents are not covered. So what happens if your radiators and plumbing fixtures are stolen while they are stored in your future living room?
To protect yourself, you can take out comprehensive construction site insurance. This coverage protects you in case of theft and any type of damage on the construction site during the execution of the work.
Of course, when it comes to protection against theft, there are certain instructions to be followed to deter opportunists, such as fencing the worksite with gates and securing it.