No, we don't cover loss, damage or legal liability during renovations or building works, including: 

• damage caused by cracking, collapse or subsidence resulting from the works
• storm, flood or water damage entering through openings in walls, roofs or unfinished areas (even if temporarily covered)
• theft or damage through areas under construction that can’t be secured

We also don't cover legal liability for building works is more than $50,000.  

New buildings during construction aren't covered under our Home and Contents Insurance policies.

There are some building works you must tell us about. See 'When you must contact us' in your PDS for details.