Review: there's no place like home

Hands covering a house

Product: HomeWorks

Underwriter: Plum Underwriting (with capacity from Aspen Insurance UK)

Commission paid: Up to 15%

Coverage: Covers the existing structure (the home), the contract works and up to £1m of property owners liability for the period of the building works only. Exceptions include thatched properties and properties in Northern Ireland. There are special extensions available free of charge.

Minimum premium: £500+IPT

Excess: The standard excesses are: theft or malicious damage claims –

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