If you are building home, it's recommended you get Self-Build Home Insurance

Self-Build Home Insurance

If you are in the process of building a home in Ireland, it is essential to ensure that the property is protected with the right insurance coverage. Building a home is a significant investment, and self-build home insurance can provide valuable protection during the construction phase and beyond. Self-build cover is a type of insurance policy that provides coverage for individuals who are building their own home or carrying out major renovations, retro-fits or extensions to an existing property. While self-build home insurance is not a legal requirement in Ireland, it is highly recommended.

Risk can exist in familiar issues like liability, theft, storm damage and fire, but also unfamiliar issues like tradesmen not completing the works satisfactorily, your contractor utilising unsuitable materials to complete your project, or your builder accidentally damaging your home.

The common conception is that self-build and home insurance provide the same cover, however this is not correct. It’s important to note that self-build insurance is different from standard home insurance, as it is a specifically tailored policy to cover the unique risks associated with building, retrofitting or renovating a property. If you are carrying out a one-off self-build, it is likely that your builder or contractor will recommend taking out a policy.

In the majority of cases, self-build home insurance provides coverage during the construction phase of a new home build. This insurance can provide protection for the building site, the building materials, and the construction workers. It can also cover liability risks, such as accidental damage to a neighbour's property. or injury to a worker on the construction site.


Building a house is expensive. Why should I get Self-Build Insurance and what are the benefits?

It's likely you have worked extremely hard and saved your hard earned money to build your dream home. Most of us will want to protect that investment. By having the right insurance coverage in place, home builders can have peace of mind knowing that their investment is protected from potential financial losses and legal liabilities:

  • Protection against Risks and Hazards: Self-build home insurance provides coverage for risks and hazards that are common during the construction phase, such as theft, fire and flood. Without insurance coverage, you would be responsible for covering the costs of any damage or loss of materials.
  • Liability Protection: Self-build home insurance can also provide liability protection if a worker or visitor is injured on the construction site, or if accidental damage occurs to a neighbouring property.
  • Peace of Mind: Building a home can be stressful, and self-build home insurance provides peace of mind by ensuring that your investment is protected. You can focus on the construction process, knowing that you have the right insurance coverage in place.
  • Flexibility: Self-build home insurance policies can be tailored to meet the specific needs of your construction project. You can choose the level of coverage you require, and add-on coverage options are available for additional protection.

Self-build home insurance is not mandatory in Ireland, but it is highly recommended for anyone building a new home. It provides valuable protection during the vulnerable construction phase, and it can also provide liability protection and peace of mind. By contacting our Self Build Insurance Team, we can evaluate your requirements and provide you with the right coverage, and ensure your project is protected from start to finish with Dolmen Insurance.

To get a Self-Build Insurance quote today, call us on 01 - 8022380

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The information contained in this article is based on sources that we believe are reliable and should be understood as general risk management and insurance information only. It is not intended to be taken as advice with respect to any specific or individual situation and cannot be relied upon as such.