Make sure your policy accurately reflects the current value of your property and that it includes home insurance for DIY.
Buildings insurance premiums are calculated on the structure and layout of your house. Keep your insurer informed of any changes to ensure your policy remains valid and that you are covered when home handiwork goes wrong.
"Sometimes there is a misperception that a home insurance policy is easily modified and that it covers the property regardless of what is done to it," says Black.
He points out that a home insurance policy is specific to a property and that anything you do that changes the fundamental features of your home should be declared to your insurance provider.
"Conservatories, for example, count as an extra room. If your house was to burn down and your insurer didn’t know you had a conservatory, it possibly wouldn’t be covered in the rebuild costs," says Black.