Insurance for Kitchen & Bathroom Renovations
Why Renovation Insurance Matters
- Accidental damage to your home during works (e.g. burst pipes, fire, or structural faults)
- Damage caused by tradespeople or subcontractors
- Loss or damage to your belongings during construction
- Injury to workers on your property, if they’re not otherwise covered
- Legal or repair costs if something goes wrong and your builder or insurer is held responsible
Discover Ethics, Expertise, and Excellence
Insured kitchen and bathroom renovations dramatically raise the value and appeal of your home. Visit our showrooms in Pennant Hills or Willoughby for a 1:1 session with a dedicated consultant about renovation insurance NSW, products, and layouts.
372 Pennant Hills Road,
Pennant Hills NSW 2120
Insurance Every Homeowner Should Have
Home and Contents Insurance
Insurance Your Renovator Should Have
Home Building Compensation Fund (HBCF)
Also known as home warranty insurance, this cover is required by law in NSW for residential building projects over $20,000. It protects homeowners if the builder:
- Becomes insolvent
- Disappears or cannot be contacted
- Dies or is unable to complete the work
The HBCF policy is issued in your name and must be provided before any work begins or deposits are paid.
Workers' Compensation Insurance
Note: Always ask for a certificate of currency for this insurance, along with a valid contractor licence.
Public Liability Insurance
- A copy of their HBCF certificate
- A current Public Liability insurance certificate
Ready to Renovate with Confidence?
Book a one-on-one consultation today or visit one of our showrooms to speak with a Nouvelle expert about insurance and everything else you need to plan a successful renovation. We’re here to help you get it right from the start.
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FAQs
Do I need to update my home insurance before starting a renovation?
Yes, you should always check with your insurer before any work begins. Standard home and contents insurance may not automatically cover renovation-related risks—especially if the works involve structural changes or licensed trades.
You may need to update your policy or take out additional cover to stay protected during the renovation.
We recommend speaking to your insurer about your renovation plans and getting written confirmation of what’s included. Read our blog Check Your Insurance Before Starting Your Home Renovation for insights.
Is renovation insurance included in my builder’s quote?
In most cases, yes—but not always. Your builder should hold Home Building Compensation Fund (HBCF) insurance for projects over $20,000 (in NSW), as well as Public Liability and Workers’ Compensation insurance.
These protect you if the builder is injured, causes property damage, or can’t complete the job.
Before you sign a contract or pay a deposit, ask for copies of all relevant certificates.
You might find How to Navigate Home Renovation Insurance & Renovate with Peace of Mind and Check Your Coverage, Does Your Homeowners Insurance Include Renovations? helpful.
What is Home Building Compensation Fund (HBCF) insurance?
HBCF (also known as home warranty insurance) is required by law in NSW for any residential building work over $20,000. It protects you if your builder:
- Becomes insolvent
- Can’t be contacted
- Dies
- Fails to complete or rectify defective work
The policy must be issued in your name and provided before work begins. If you’re working with Nouvelle, this is always arranged for you.
What happens if a trade is injured on my property during the renovation?
If the trade is employed by a licensed builder or renovation company, they should be covered under Workers’ Compensation insurance.
This is why it’s important to work with properly licensed professionals who carry the right cover—so you’re not left liable for any medical costs or claims.
All trades Nouvelle engages are covered appropriately. Speak with our team to know more about renovation insurance.
Does public liability insurance protect me as a homeowner?
Yes, it protects you from being held financially responsible if a trade damages property or someone is injured on-site during the renovation.
This insurance is held by your builder or renovation company and is a standard part of professional project management.
We recommend confirming that this policy is in place before any works begin.
Will my contents be covered during the renovation?
Not always. Some home insurance policies limit or exclude cover for contents while building works are underway.
It’s best to confirm with your insurer whether your contents are covered for accidental damage, theft, or loss during the renovation.
You may be advised to temporarily move or secure high-value items elsewhere.
Can I claim water damage or accidental faults through insurance?
If the damage was caused by faulty workmanship or an accident on-site, you may be covered by your home insurance, or the builder’s public liability insurance—depending on the situation.
If an appliance leak damages flooring or cabinetry, for example, home and contents insurance may cover the repair.
Always document the damage and notify the relevant party immediately.
What if I’m renovating multiple rooms—do I need extra insurance?
The size of the renovation doesn’t necessarily change what insurance you need, but the risk level increases with larger or more complex projects.
If you're renovating multiple spaces, especially with structural work involved, it’s even more important to review your policies and confirm that both your insurer and builder have the right cover in place.
Read: 7 Insurance Risks to Avoid When Renovating Your Home
