Insurance during house renovation or while you build a new house

Which insurances do you need for house restoration, renovation, or remodelling?

Are you rebuilding your house? If that is the case, remember to check the insurance policies before and after your project.

If you have building materials lying on your property, they can for instance attract thieves, and if your materials are stolen it can become expensive if you do not have the right insurance coverage.

If you have Building insurance with us, you can easily buy and add "More Security", which covers theft, vandalism, and sudden damage to building materials.

Read more about "More Security" and Building insurance

If you alter the preexisting construction of your house during renovation and restoration, it will probably affect your insurance coverage.

Remember to update your insurance coverage if you change the roof and use a different material, change the heating system (for instance, gas or oil boiler to heating pump), or install solar panels. Not doing it could affect your insurance coverage when you need to file a claim. Remember then to contact IDA Forsikring when you plan to reform your house.

You can write to us here

Which insurances do you need to build a new house or an extension?

If you are building a new house or an extension, you must take out construction insurance and a new build warranty.

When you hire a general building work contractor (e.g., professional builder or contractor) to build your house, this contractor must take out a new build warranty for you.

If you do the job yourself, you can take out private construction insurance covering damage to construction, building materials and temporary structures.

Unfortunately, IDA Forsikring cannot offer construction insurance or a new build warranty.

Please, contact TRYG at +45 70 11 20 20 if you want to know more about private construction insurance.

Learn more about construction insurance at tryg.dk

Are you planning to demolish your house?

If you knock down your house, you do not have to pay for your building insurance while you do not have one.

To cancel your building insurance, you must submit a demolition certificate. Remember to add pictures of the house demolition with a date.

There must be no foundation, pipes, cables, and power lines (sewers) left. It is crucial to determine the first date of construction of the new house.

Contact IDA Forsikring if you demolish your house

Remember to take out or update your current building insurance

If you build a new house, your home insurance does not cover the building project while it is on. Therefore, you only need Building insurance when your new home is ready.

If you get a discount with IDA Gold you can only maintain this discount on all other insurance products if you buy your new Building insurance with us.

Take out building insurance

Learn more about IDA Gold

You need to keep in mind one thing. If you restore your house, your current Building Insurance does not automatically cover the extra square meters.

If this is what you wish, please notify us no later than the date on which restoration or remodelling starts. We will update your Building Insurance to cover the extra space.

Write to us to update your Building Insurance

Call us to update your Building Insurance