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Dont get caught short when undertaking DIY, check your home insurance policy first.
Summary:
Home insurance covers you for many types of damage and loss of goods but check your policy before undertaking any DIY to your house.
Many of us like to get the paint out ourselves and spruce the décor up a little but its well worth checking your home and contents insurance before nipping down to your local B&Q as mistakes could cost you a pretty penny.
DIY is not necessarily covered by your home and contents insurance so a quick phone call to your policy holders could save you thousands if anything goes wrong. According to More Than, most accidental damage insurance claims (this is the cover you probably need to upgrade to for the cover you require) are for spilt paint. This simple error typically costs Ł1,250 which makes the typical Ł20 to Ł60 annual increase on home and contents insurance a snip once your foot has connected with that open tin of black gloss! (mortgage insurance)
Whilst leaving the bath tap on or breaking your bathroom sink may be covered by your home and contents insurance, hitting a nail through a water pipe usually isnt. This is fairly easily done without the knowledge and tools of the trade. Yet again an expensive mistake which can easily rack up damage costs of over Ł2000.
Some of us may feel a little more confident in our DIY skills and decide to replace a roof or build an extension onto our house. Be aware however that this more difficult, and ultimately more expensive should mistakes happen work, will probably need even more cover. Fair enough when you consider the costs involved if damage necessitates structural repair. If you feel confident enough to start work of this manner, do be diligent enough to call your insurance company first. (cheap loans)
Your best bet for purchasing home and contents insurance and any extra cover for DIY projects is to have a look around on the internet. Also, consider asking your building insurance providers as you can make massive savings by combining the 2. Norwich Union, for example, will give you a 50% discount on home and contents insurance when you have existing building insurance with them. Many others will typically offer a 10 to 20% reduction in the same circumstances. (loans information)
Note that it could also be beneficial to give your motor car insurance policy holders a call as some companies offer reductions on home and contents insurance if you already have motor insurance provided by them.