Home renovation interest in Nottingham has doubled in just two years, according to new analysis from SJL Insurance Services.
Average monthly searches for home renovations are up 100% from 2022 to 2024, making Nottingham one of the UK’s fastest-growing areas for home improvement interest. Nationally, England saw a 53% increase, suggesting a broad trend of homeowners investing in upgrades rather than moving amid higher borrowing costs.
Interest in kitchen and bathroom projects has also climbed across the country, with Bristol (200%), Exeter (300%), and Bournemouth (100%) leading the way.
Craig Morgan, insurance expert at SJL, cautioned that while homeowners are increasingly renovating their properties, many are unaware that failing to inform their insurer could invalidate their coverage.
“Whether you’re adding an extension, fitting a new kitchen, or renovating a bathroom, it’s crucial to tell your insurer before work begins. Even minor improvements can affect your property’s rebuild cost or risk profile and if you don’t update your policy, you may not be covered if something goes wrong,” Craig said.
Craig Morgans Key Insurance Considerations for Home Renovations
Before You Start
- Inform your insurer about planned work. Undisclosed renovations could void your policy.
- Check contractor insurance. Ensure builders have public liability and contractor’s all-risk cover.
- Review your home’s rebuild value. Structural changes or extensions can significantly alter it.
During Renovation
- Secure your belongings. Contents could be damaged or stolen while work is ongoing.
- Confirm coverage if temporarily unoccupied. Policies may have restrictions when homes are empty.
- Understand exclusions. Many policies exclude damage caused by building works unless you’ve notified your provider.
After Completion
- Update your policy. Refresh rebuild and contents valuations to reflect improvements.
- Document upgrades. Photographs and receipts help with future claims.
- Consider accidental damage cover for new fixtures, fittings, and finishes.
“Home improvements are a major investment, and insurance is your safety net,” Craig added. “One overlooked clause could cost thousands if damage occurs during or after the work. A quick policy review before you start could save a huge financial headache later.”