Renovators Insurance for Owner Builders>>>

Renovators Insurance for Owner Builders

Policy Covers

Our Policy is designed for the Owner Builder to cover the renovation, existing home and contents.

An Owner Builder is someone who constructs or renovates a domestic building on his or her own land, but is not a registered Builder or in the business of building. This includes renovations, modifications and the very popular updating of home kitchens and bathrooms.

It is essential that you take out public liability insurance, because you could be sued for hundreds of thousands of dollars if someone is injured at or near your building site caused by your negligence or damage to other people’s property.


What’s covered in the Policy:

BONUS Cover:

  • $5,000 tools
  • Worker to worker
  • Subbies
  • Adjoining property
  • Low excess
  • Extendable Policy
  • Existing home
  • Renovations and Extensions
  • Contents
  • Vandalism
  • Storm
  • Public Liability $5,$10, $20 million
  • Wind
  • Water Damage
  • Theft
  • Fire
  • Flood

Why Choose BuildSafe?

Owner Builder Insurance Victoria is the same as Owner Builder Insurance NSW or Construction Insurance QLD. Owner Builders can become confused into thinking each state has a different policy, not so at BuildSafe, we take the confusion out of Insurance, our experience at knowledgeable consultants have been helping and assisting Owner Builders for over 30 years.

Our Policy is Owner Builder specific, unlike other policies that are Builder policies and you pay for inclusions that you cannot claim on!

PLUS our Policy contains some important additional benefits (see Bonus Cover).


Ben Cairns is typical of an Owner Builder who is renovating but ‘thinks’ that his house and Contents policy will cover him.

Ben rang in a sorry state, he had gone to pay his renewal and when he explained that he was renovating and extending his house with a job cost of $125000 he was told he has NO cover, until the job was complete. His House and Contents insurer had a limit of $30K so any work above that (at builder cost) they would NOT cover. Luckily Ben, was able to be covered BUT be aware when renovating – you will probably not be covered by your House and Contents Insurer”.

BuildSafe offer a unique owner builder policy designed for you the owner builder, it includes additional benefits that are specific for the owner builder!

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