When building a new home or doing alterations and additions to your existing residence we recommend the following two types of insurance cover:

• Construction Insurance
• Public Liability Insurance

Construction Insurance

This policy combines Material Damage and Public Liability into one insurance cover. The Material Damage section covers such things as fire damage, theft, malicious damage/vandalism, or storm damage to the building works. For no additional premium there is cover for Removal of Debris after a claim, Professional Fees and Expediting Expenses up to 10% of the construction value. The construction cost should be calculated on the full replacement value of the structure so that a major claim or total loss is fully covered.

It is also possible to insure your existing home against damage to the structure as a consequence of construction activities under the existing property section of this policy. We would suggest that you check with your current home insurer whether they will continue to insure your building whilst the alterations are taking place. If not this section is for you.