SafeNest™
Because one unexpected issue can unravel everything.
A contractor injures themselves inside your home
Tools or materials are stolen from the site
Accidental damage occurs during the works
A builder walks off-site, leaving your home half-finished
When you take on a renovation or building project, you’re doing more than upgrading a property you’re investing time, money, and trust into your future home. But building projects come with risks most homeowners don’t see coming. That’s why having the right renovation insurance in place can help protect against the unexpected risks that can arise while building work is underway:
Think You’re Already Covered? Think Again.
Most homeowners believe their buildings and contents insurance will protect them during a project. But the moment you inform your insurer that building work is underway, your policy may be suspended or heavily restricted until completion. This can leave you asking, does home insurance cover building work, particularly when the project involves significant renovation or structural changes?
This means that if a contractor injures themselves in the undeveloped or lived-in part of your home, you the homeowner may be legally liable, depending on the circumstances and the terms of your existing cover.
Not the builder. Not their insurance.
And with your home policy suspended or restricted, you could be left exposed at exactly the time you’re most vulnerable making it important to understand your insurance position before work begins.
Safety and Trust for Every Build
That’s Why We Created SafeNest™
SafeNest is your protective barrier a specialised layer of security that works alongside your Cavass agreements to help protect you, your builder, and the project itself.
It brings together two smart, targeted insurance solutions to help address the gaps that can arise during building and renovation work including risks that standard home insurance may not cover:
Lend Safe 10 For projects involving finance, the stakes are even higher.
If you’re using a loan to fund your build, every delay, dispute, or abandonment puts more than the project at risk — it threatens the lender’s security, and your financial stability.
Lend Safe 10 includes:
Protection against structural damage, abandonment, and long delays
Risk reduction for lenders
Confidence for borrowers that unforeseen issues won’t destroy the timeline or the budget
Whether you’re borrowing to build or funding the project yourself, Lend Safe 10 helps you stay on track — and protects the value you’re creating.
Renoguard ™ Shared protection for homeowners and contractors.
Renoguard is designed for renovation and extension projects especially where contractors are working inside your home. It provides renovation insurance designed to help protect both parties under a single, practical policy, covering injuries, theft, and damage that could otherwise derail your plans and relationships.
Injury cover (especially within the existing home, where you are liable)
Theft of tools and materials
Accidental property damage
Liability claims that standard home insurance won’t touch
A fair 50/50 premium split between homeowner and contractor
Renoguard gives both sides peace of mind — so the project stays focused, fair, and moving forward.
Independent and Focused on Protection
Cavass is not a lender, insurance broker, or FCA-regulated provider.
We don’t control your choice of insurer — and we don’t interfere with your builder or lender.
Our goal is to introduce practical, project-specific protection to help keep things moving, reduce disputes, and give everyone involved the confidence they need to move forward.
SafeNest™
Because the real cost of not being covered is never just money.
You Ask, We Answer
Frequently Asked Questions
Will my existing home insurance cover me during a renovation?
It depends on your insurer and the terms of your policy. However, once significant building or renovation work begins, some insurers may suspend, restrict, or exclude certain elements of your existing cover. This can leave homeowners exposed to risks that may not otherwise arise during normal occupation. If you’re asking, does home insurance cover building work, it’s important to check with your insurer before work starts and understand exactly what is and isn’t covered during the project.
What is Renoguard and who is it for?
Renoguard is designed for homeowners and contractors involved in renovation and extension projects, particularly where contractors are working inside an existing home. It provides shared protection for risks including contractor injuries, theft of tools and materials, and accidental property damage, with the premium split 50/50 between the homeowner and contractor. This can help address concerns around contractor injury liability for homeowners and other risks that may not be covered by standard home insurance.
What is Lend Safe 10 and how is it different from Renoguard?
Lend Safe 10 is designed for projects involving finance, where delays, abandonment, or structural damage could threaten the lender’s security and the borrower’s financial position. Renoguard, by contrast, is focused on renovation and extension projects involving homeowners and contractors, providing shared protection against risks such as injury, theft, and accidental damage. Both form part of SafeNest’s approach to providing targeted renovation insurance solutions for different project risks.
Is Cavass an insurance broker?
No. Cavass is not a lender, insurance broker, or FCA-regulated provider. We do not underwrite insurance policies or control your choice of insurer. Whether you’re exploring renovation insurance or looking for self-build insurance, our role is to introduce practical, project-specific protection and help you understand the options available, rather than providing the insurance directly.
