Jersey Home and Contents Insurance Specialist

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Jersey Mutual support Sanctuary Trust

Are you sitting comfortably in your home? A roof over your head, warmth on a cold night, and a place to call your own? For many, these simple comforts are taken for granted, but for others in Jersey, homelessness is

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Jersey Mutual Insurance Society AGM 2024

Jersey Mutual Insurance Society, Incorporated (The ‘Society’) Annual General Meeting The 155th Annual General Meeting of Members will be held at St Paul’s Centre, Dumaresq St, St Helier on Friday 6th December 2024 at 3.15pm The Directors of the Society

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Storm Ciarán update

Following the devastation caused to many last night, we are working today to help our members who have experienced damaging effects of Storm Ciaran. We are currently experiencing an unprecedented volume of calls into our claims teams, we are working

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Prepare for Storm Ciaran

With this week set to be one of the windiest on record, save your possessions from potential damage by getting prepared. Remember to put flower pots and garden gnomes in the shed if you have one or our of the

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Building supplies
Building an extension and the affect on home insurance

If you’re planning on building an extension to view that gorgeous St Ouen’s sunset, or looking to undergo any building work on your property – you should let your home insurance provider know about it.

Should I tell my insurance provider about my extension?

You need to tell them if you are undertaking structural works. It’s essential to keep your insurance provider in the loop as structural works could invalidate your home insurance if they’re not made aware of changes. Any building work raises the risk you pose to an insurance provider. After all, when knocking walls through and removing floors, something may go wrong. Your home might also be less secure than usual, with builders and contractors coming and going, so it is vital to have insurance covering this potential security
risk.

When should I contact my insurance provider?

As soon as planning starts, it would be best to let your insurance provider know before any changes are made to your home, whether you are looking at additions, maintenance or renovations.

Will my home insurance cover me during building work?

If the works are subject to a formal building contract; the contract will determine where the responsibility lies regarding insurance. It could be with either the homeowner, the contractor, or both parties.

Cover for smaller works that are not subject to a building contract is likely to be covered under your existing home insurance policy; however, an additional premium for this cover might apply.

You’ll also need to check that your contractor is covered for any damage caused to your property during the build, and it’s prudent to ask for a copy of their public liability insurance.

It’s important to note if the work carried out by a contractor is faulty or not good quality, your home insurance does not usually cover this. Ensure that you do your research before contracting anyone to carry out work of this nature; this is not a time to cut corners. Many
of Jerseys larger domestic building developments are bespoke, and in this instance, you may need to find a specialist commercial insurance provider to cover you during the build.

After works are complete, you must review your building sum insured to include all the improvements you have made. You also may need to increase your contents sum insured if you buy additional furniture and furnishings following your home improvement.
If you want to protect your house, do not hesitate to contact Jersey Mutual. One of our friendly team can help advise you on your home and contents insurance requirements.

For more advice on contents insurance and to get a quote, please contact us today on 01534 734246 or email info@5.153.222.57