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Insurance for Kitchen & Bathroom Renovations

A kitchen or bathroom renovation is a major investment—make sure it’s protected. Before you knock down a wall or install a new appliance, check that the right insurance is in place, so that your home, your money, and the people involved are safeguarded every step of the way.

Why Renovation Insurance Matters

Renovating a kitchen or bathroom comes with risks: unexpected damage, delays, or accidents can quickly add stress and cost. Having the right insurance means you’re protected from the start of the project until the last coat of paint dries.
A good renovation insurance setup can help cover:
Knowing what’s covered—and what isn’t—helps you avoid last-minute surprises and protect your investment.

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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.

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Pennant Hills NSW 2120

Insurance Every Homeowner Should Have

Not all insurance policies automatically cover renovations, especially when trades are involved, or structural work is being done. Before starting your project, check if your existing policy covers potential renovation-related risks, or if you need to update it.

Home and Contents Insurance

This should be your first line of protection. It covers damage to your home and belongings during and after renovation—think burst pipes, electrical faults, or accidental fires. A simple leak from a dishwasher, for example, could ruin a newly laid timber floor.
Note: Before works begin, contact your insurer to confirm your policy covers renovation-related risks, including damage caused by contractors or newly installed appliances.

Insurance Your Renovator Should Have

Just as you need to check your own insurance, it’s just as important to know that your builder or renovation company is properly insured. This protects you if something goes wrong during the works—whether it’s injury, damage, or unfinished work.
Here are the three key insurances your renovation company must 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:

The HBCF policy is issued in your name and must be provided before any work begins or deposits are paid.

Workers' Compensation Insurance

This covers tradespeople if they’re injured while working on your renovation. It’s a legal requirement for licensed contractors and protects you from being held financially responsible for medical costs or lost wages.

Note: Always ask for a certificate of currency for this insurance, along with a valid contractor licence.

Public Liability Insurance

This covers the renovation company for property damage or personal injury caused during the works. If a trade accidentally damages a neighbour’s property or someone is injured on site, this policy ensures you’re not held liable.
Before signing any contract, always ask your builder for:

Ready to Renovate with Confidence?

Renovation insurance isn’t just a formality; it’s essential to protecting your home, your investment, and your peace of mind. At Nouvelle, all of this is taken care of—we hold the required insurances for every project we manage.

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

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.

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.

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.

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.

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.

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.

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.

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

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