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  1. I have a very broad question in that we are doing a combined refurb and extension of a house and I'm totally confused by the array of insurances on offer. I've been reading various blogs and websites and I'm now completely bamboozled by whether we need Self Build Insurance (as it's not a whole new build), Renovation Insurance (as we are doing lots of structural renovations to the existing property but also building a new two-storey structure on the back that is actually slightly bigger than the original house), Structural Warranty Insurance (does that apply to hybrid build/refurb projects like this? is it needed for lenders if we refinance or sell it?) ... Do we need all of them? None of them? A combination? I realise some of this might come down to personal choice and attitude to risk but I'm finding it hard to get clear on what's legally required and none of them is cheap so while I don't want to expose us to a high level of risk I also don't want to over-insure or to buy inappropriate policies that wouldn't cover us anyway if the worst should happen! I know there is Site Insurance as well and we will need that. A rookie question I know but it seems like a tough one to unravel as the insurers themselves seem happy to sell you an unlimited number of policies! Thank you in advance for any insights! Liz
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