HomeWorks – Contract Works Insurance for Residential Projects
All risks cover for residential renovation, extension and building works
HomeWorks is a specialist contract works insurance solution designed for residential construction and renovation projects. It provides a single, seamless policy covering the existing structure, contract works, contents and homeowner liabilities throughout the duration of the works.
Designed with flexibility in mind, HomeWorks enables brokers to place renovation risks efficiently while ensuring comprehensive protection for both homeowners and contractors.
Who the product is designed for
HomeWorks is suitable for brokers arranging cover for:
- Homeowners undertaking renovations or extensions
- Residential refurbishment projects
- Property upgrades and structural alterations
- Projects requiring joint names cover (e.g. RIAI contracts)
- Works involving contractors and multiple trades
The product is designed for building works starting from €25,000 (minimum 10% of the buildings sum insured).
What the policy covers
HomeWorks provides an all-in-one insurance solution during construction works, including:
Existing Structure
- All risks cover for the home, including outbuildings and walls
- Indemnity basis cover (reinstatement to pre-loss condition)
- Alternative accommodation if the home becomes uninhabitable
Cover is provided for a wide range of insured perils such as fire, flood, storm, escape of water, theft, subsidence and malicious damage.
Contract Works & Materials
- All risks cover for building works, materials and fixtures
- Protection throughout the construction period
Home Contents
- Cover for contents against standard household perils during works
Property Owners Liability
- Legal liability cover up to €2,000,000
- Protection for injury or damage to third parties
Important Documents
Captures key project details including scope of works, property condition and contractor involvement to support underwriting and quotation.
Provides a clear overview of cover sections, limits and extensions to help brokers assess suitability for residential construction risks.
Outlines the full terms, conditions, cover sections, exclusions and limits applicable to the HomeWorks policy.
Key features
- One seamless policy covering all aspects of the project
- Joint names cover available (homeowner and contractor)
- Designed to align with RIAI contract requirements
- All risks cover throughout the works period
- Non-negligence cover available on request
- Contract works starting from €25,000
- A Rated insurer backing (HSB Engineering Insurance)
Additional cover highlights
HomeWorks includes a wide range of extensions to support residential construction risks, such as:
- Professional fees (architects, engineers, surveyors)
- Debris removal and site clearance
- Automatic increases in sums insured
- Alternative accommodation or loss of rent
- Expediting expenses and rectification periods
- Trace and access cover
- Off-site storage of materials
- Pollution clean-up and VAT extension
- Fire brigade charges and illegal dumping
- Property owners liability and risk assessment surveys
These extensions are designed to ensure comprehensive protection throughout the lifecycle of the works.
Important policy conditions
As with all contract works insurance policies, certain conditions apply during the period of construction.
The property must be maintained in a good state of repair prior to works commencing, and all works must comply with relevant building regulations and safety standards. Adequate security must be maintained on site, and sums insured must reflect the full value of the existing structure and contract works. Any material changes to the scope of works or project timeline must be disclosed.
Failure to comply with these conditions may affect cover or claims settlement.
Why Brokers Place Business with Dolmen
HomeWorks provides a practical solution for residential construction risks that are not suited to standard home insurance policies.
Key advantages include:
- Single policy covering structure, works and contents
- Designed specifically for residential renovations
- Suitable for joint names contract requirements
- Broad all risks cover throughout the works period
- Flexible underwriting approach
- Strong insurer backing and specialist support
The scheme enables brokers to confidently place renovation and construction risks with clarity and efficiency.
Specialist Underwriting Support
Work with experienced underwriters who understand residential construction risks and can assist with complex or bespoke projects.
Flexible Product Solutions
Access a range of specialist insurance products designed to support brokers placing renovation, construction and non-standard risks.
Trusted Industry Experience
Benefit from strong underwriting expertise and established insurer relationships, delivering consistency, reliability and service quality.
Affordable Home Insurance That Doesn’t Cut Corners
Choosing the cheapest policy isn’t always the best option. At Dolmen, we look beyond the premium to find you quality home insurance that actually works when you need it. Whether you’re insuring a family home, an apartment, or a property you rent out – we’re here to find the right protection for your lifestyle and budget.
We search the market, explain your options clearly, and help you save where it makes sense – all while ensuring you’re fully covered.
Why Choose Dolmen for Your Home Insurance?
- Decades of experience in the Irish insurance market
- Independent advice and access to top Irish and UK insurers
- Personalised service with real people – not just a website
- Excellent customer support throughout your policy
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Place Smarter Faster with Dolmen
Underwriting Solutions Brokers Can Trust
To arrange cover under the HomeWorks scheme, contact the Dolmen Underwriting team or submit an enquiry via the form on this page.
Our team can assist with underwriting guidance, eligibility checks and placement support.